Pathfinder Bancorp, Inc.

For the period ended Jun 30, 2026. Filed Aug 13, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2026 · Filed Aug 13, 2026

PBHC$16.75+0.2%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income (Unaudited)

For the three months ended, · For the six months ended,
(In thousands, except per share data) · June 30, 2026 · June 30, 2025 · June 30, 2026 · June 30, 2025
Interest and dividend income
Loans, including fees	$12,570		$13,106	$24,927	$26,778
Taxable investment securities	4,920		5,522	9,519	10,707
Tax-exempt investment securities	368		465	703	867
Dividends	87		21	136	114
Federal funds sold and interest earning deposits	123		68	285	157
Total interest and dividend income	18,068		19,182	35,570	38,623
Interest expense
Interest on deposits	6,182		7,318	12,315	14,263
Interest on short-term borrowings	604		495	870	1,040
Interest on long-term borrowings	99		72	213	137
Interest on subordinated debt	647		483	1,296	958
Total interest expense	7,532		8,368	14,694	16,398
Net interest income	10,536		10,814	20,876	22,225
(Benefit from) provision for credit losses
Loans	(182)		1,173	(368)	1,677
Held-to-maturity securities	(22)		5	(22)	5
Unfunded commitments	49		19	67	(28)
Total (benefit from) provision for credit losses, net	(155)		1,197	(323)	1,654
Net interest income after provision for credit losses	10,691		9,617	21,199	20,571
Noninterest income (loss)
Service charges on deposit accounts	381		380	757	754
Earnings and gain on bank owned life insurance	330		156	586	318
Loan servicing fees	68		97	157	198
Net realized losses on sales and redemptions of investment securities	-		-	(5)	(8)
Net unrealized (losses) gains on marketable equity securities	(53)		420	23	638
Gains on sales of loans and foreclosed real estate	95		83	281	148
Fair value adjustment to loans held-for-sale 1	-		(3,064)	(203)	(3,064)
Debit card interchange fees	188		180	327	181
Other charges, commissions & fees	215		230	428	514
Total noninterest income (loss)	1,224		(1,518)	2,351	(321)
Noninterest expense
Salaries and employee benefits	4,653		4,525	9,510	8,975
Building and occupancy	1,380		1,230	2,707	2,577
Data processing	774		667	1,507	1,333
Professional and other services	628		778	1,308	1,384
Advertising	66		77	155	218
FDIC assessments	232		-	436	229
Audits and exams	139		60	279	174
Amortization expense	157		157	314	314
Community service activities	1		28	22	39
Foreclosed real estate expenses	18		29	27	50
Other expenses	614		510	1,089	1,201
Total noninterest expense	8,662		8,061	17,354	16,494
Income before provision for income taxes	3,253		38	6,196	3,756
Provision for income taxes	585		7	1,115	751
Net income	$2,668		$31	$5,081	$3,005
Voting Earnings per common share - basic	$0.42	$	-	$0.80	$0.48
Voting Earnings per common share - diluted	$0.42	$	-	$0.80	$0.47
Series A Non-Voting Earnings per common share- basic	$0.42	$	-	$0.80	$0.48
Series A Non-Voting Earnings per common share- diluted	$0.42	$	-	$0.80	$0.47
Dividends per common share (Voting and Series A Non-Voting)	$0.10		$0.10	$0.20	$0.20

1 LOCOM adjustment on loans held-for-sale to the estimated market value based on sale negotiation terms.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.