The latest financial statement is for the quarter ending 2025-09-30.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Cash and cash equivalents at beginning of period | 31,572 | - |
| Net income (loss) attributable to pathfinder bancorp inc | 626 | 3,005 |
| Provision for credit losses | 3,494 | 1,654 |
| Proceeds from sales of loans held-for-sale | 3,670 | 5,573 |
| Originations of loans held-for-sale | 388 | 8,586 |
| Foreclosed real estate | 0 | - |
| Loans | 121 | 148 |
| Available-for-sale investment securities | -1 | -4 |
| Held-to-maturity investment securities | -11 | -4 |
| Marketable securities | 145 | 638 |
| Depreciation | 413 | 823 |
| Amortization of mortgage servicing rights | 4 | -4 |
| Amortization of deferred loan fees and costs | -4 | 36 |
| Amortization of operating and finance leases, net | 115 | 215 |
| Amortization of deferred financing fees from subordinated debt | 52 | 99 |
| Earnings on bank owned life insurance | 286 | 318 |
| Net amortization of premiums and discounts on investment securities | 28 | -93 |
| Net amortization of premiums on intangible assets | 286 | 144 |
| Stock based compensation and esop expense | 235 | 460 |
| Net change in accrued interest receivable | -391 | 8 |
| Net change in other assets and liabilities | 1,334 | 262 |
| Net cash inflows from operating activities | 7,048 | 1,960 |
| Purchase of available-for-sale securities | 3,000 | 54,842 |
| Purchase of held-to-maturity securities | 0 | 16,858 |
| Purchase of marketable securities | 326 | 167 |
| Purchase of federal home loan bank stock | 2,238 | 7,520 |
| Proceeds from redemption of federal home loan bank stock | 4,028 | 6,832 |
| Proceeds from maturities and principal reductions of available-for-sale securities | 10,771 | 22,555 |
| Proceeds from maturities and principal reductions of held-to-maturity securities | 10,419 | 15,014 |
| Available-for-sale investment securities | 1,195 | 3,194 |
| Held-to-maturity investment securities | 4,869 | 2,516 |
| Loans held-for-sale | 3,161 | - |
| Real estate acquired through foreclosure | 0 | 0 |
| Net change in loans | -10,412 | -3,124 |
| Acquisition of core deposit intangible asset | 0 | - |
| Proceeds from sale of assets held-for-sale | 0 | - |
| Purchase of premises and equipment | 126 | 861 |
| Net cash inflows (outflows) from investing activities | 39,165 | -27,013 |
| Net change in demand deposits, now accounts, savings accounts, money management deposit accounts, mmda accounts and escrow deposits | 12,375 | 32,135 |
| Net change in time deposits | -12,410 | 2,790 |
| Net change in brokered deposits | 3,229 | -17,562 |
| Net change in short-term borrowings | -37,500 | 14,500 |
| Payments on long-term borrowings | 5,100 | 14,155 |
| Proceeds from long-term borrowings | 2,825 | 8,064 |
| Proceeds from exercise of stock options | 94 | 436 |
| Cash dividends paid to common voting shareholders | 479 | 950 |
| Cash dividends paid to common non-voting shareholders | 137 | 277 |
| Cash dividends paid on warrants | 13 | 25 |
| Change in noncontrolling interest, net | 0 | 0 |
| Net cash outflows from financing activities | -37,116 | 24,956 |
| Change in cash and cash equivalents | 9,097 | -97 |
| Cash and cash equivalents at end of period | 40,572 | - |
Pathfinder Bancorp, Inc. (PBHC)
Pathfinder Bancorp, Inc. (PBHC)