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Pathfinder Bancorp, Inc. (PBHC)
Pathfinder Bancorp, Inc. (PBHC)
Income Statement
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Cash Flow
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Balance Sheet
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Ratios
Balance Sheets Overview
Debt to Asset Ratio
91.57%
Unit: Thousand (K) dollars
Assets Breakdown
Loans, net of deferred fees
Held-to-maturity securities, at ...
Bank owned life insurance
Others
Liabilities Breakdown
Interest-bearing deposits
Noninterest-bearing deposits
Short-term borrowings
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
11,402
13,915
11,521
19,317
Interest-earning deposits
14,648
25,244
19,649
21,255
Total cash and cash equivalents
26,050
39,159
31,170
40,572
Available-for-sale securities, at fair value
366,147
272,971
276,815
294,457
Held-to-maturity securities, at amortized cost (fair value of 106,011 and 125,198, respectively)
111,371
122,432
130,324
142,538
Marketable equity securities, at fair value
6,213
6,207
6,034
5,352
Federal home loan bank stock, at cost
6,935
2,169
2,560
3,488
Loans held-for-sale
5,700
5,700
5,900
-
Loans, net of deferred fees
888,975
895,202
896,670
898,520
Less allowance for credit losses
26,920
28,966
29,436
18,654
Loans receivable, net
862,055
866,236
867,234
879,866
Premises and equipment, net
17,669
17,882
18,008
18,760
Operating lease right-of-use assets
1,046
1,072
1,098
1,124
Finance lease right-of-use assets
15,489
15,687
15,885
16,082
Accrued interest receivable
6,511
5,832
6,328
6,498
Foreclosed real estate
137
137
137
137
Intangible assets, net
5,048
5,205
5,362
5,518
Goodwill
5,056
5,056
5,056
5,056
Bank owned life insurance
31,671
31,631
31,374
31,145
Other assets
25,405
24,606
23,351
21,675
Total assets
1,492,503
1,421,982
1,426,636
1,472,268
Interest-bearing deposits
960,706
1,005,092
987,471
1,028,782
Noninterest-bearing deposits
213,563
206,635
196,377
196,299
Total deposits
1,174,269
1,211,727
1,183,848
1,225,081
Short-term borrowings
125,000
15,000
44,000
38,000
Long-term borrowings
8,374
12,374
14,074
18,702
Subordinated debt
30,155
30,155
30,155
30,258
Accrued interest payable
469
451
424
1,134
Operating lease liabilities
1,259
1,282
1,304
1,326
Finance lease liabilities
16,201
16,295
16,390
16,479
Other liabilities
11,032
11,115
13,990
14,949
Total liabilities
1,366,759
1,298,399
1,304,185
1,345,929
Common stock-Voting Common Stock
49
49
48
48
Common stock-Nonvoting Common Stock
14
14
14
14
Additional paid in capital
55,624
55,095
54,390
53,974
Retained earnings
77,180
75,140
73,366
79,560
Accumulated other comprehensive loss
-7,123
-6,715
-5,367
-7,257
Total shareholders' equity
125,744
123,583
122,451
126,339
Total liabilities and shareholders' equity
1,492,503
1,421,982
1,426,636
1,472,268
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Loans, net of deferred
fees
$888,975K
(-2.28%↓ Y/Y)
Interest-earning deposits
$14,648K
(-4.21%↓ Y/Y)
Cash and due from
banks
$11,402K
(-29.54%↓ Y/Y)
Loans receivable, net
$862,055K
(-3.55%↓ Y/Y)
Available-for-sale securities, at
fair value
$366,147K
(21.66%↑ Y/Y)
Held-to-maturity securities, at
amortized cost (fair value...
$111,371K
(-29.46%↓ Y/Y)
Bank owned life
insurance
$31,671K
(2.02%↑ Y/Y)
Total cash and cash
equivalents
$26,050K
(-17.24%↓ Y/Y)
Other assets
$25,405K
(12.66%↑ Y/Y)
Premises and equipment,
net
$17,669K
(-7.23%↓ Y/Y)
Finance lease
right-of-use assets
$15,489K
(-4.86%↓ Y/Y)
Federal home loan bank
stock, at cost
$6,935K
(31.39%↑ Y/Y)
Accrued interest
receivable
$6,511K
(-5.49%↓ Y/Y)
Marketable equity
securities, at fair value
$6,213K
(27.29%↑ Y/Y)
Loans held-for-sale
$5,700K
(80.32%↑ Y/Y)
Goodwill
$5,056K
(0.00%↑ Y/Y)
Intangible assets, net
$5,048K
(-11.05%↓ Y/Y)
Operating lease
right-of-use assets
$1,046K
(-6.19%↓ Y/Y)
Foreclosed real estate
$137K
(65.06%↑ Y/Y)
Less allowance for
credit losses
$26,920K
(68.43%↑ Y/Y)
Total assets
$1,492,503K
(-0.84%↓ Y/Y)
Total liabilities and
shareholders' equity
$1,492,503K
(-0.84%↓ Y/Y)
Total liabilities
$1,366,759K
(-1.01%↓ Y/Y)
Total shareholders'
equity
$125,744K
(1.07%↑ Y/Y)
Accumulated other
comprehensive loss
-$7,123K
(19.59%↑ Y/Y)
Total deposits
$1,174,269K
(-3.90%↓ Y/Y)
Short-term borrowings
$125,000K
(65.56%↑ Y/Y)
Subordinated debt
$30,155K
(-0.17%↓ Y/Y)
Finance lease
liabilities
$16,201K
(-2.20%↓ Y/Y)
Other liabilities
$11,032K
(-17.94%↓ Y/Y)
Long-term borrowings
$8,374K
(-60.08%↓ Y/Y)
Operating lease
liabilities
$1,259K
(-4.11%↓ Y/Y)
Accrued interest
payable
$469K
(-42.31%↓ Y/Y)
Retained earnings
$77,180K
(-3.00%↓ Y/Y)
Additional paid in capital
$55,624K
(3.69%↑ Y/Y)
Common stock-Voting
Common Stock
$49K
(2.08%↑ Y/Y)
Common
stock-Nonvoting Common Stock
$14K
(0.00%↑ Y/Y)
Interest-bearing deposits
$960,706K
(-6.74%↓ Y/Y)
Noninterest-bearing deposits
$213,563K
(11.39%↑ Y/Y)
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