The latest financial statement is for the quarter ending 2026-03-31.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and cash equivalents at beginning of period | - | - | 31,572 | - |
| Net income | 2,413 | -5,564 | 626 | 3,005 |
| (benefit from) provision for credit losses | -168 | 11,194 | 3,494 | 1,654 |
| Deferred income tax expense | - | -3,521 | - | - |
| Proceeds from sales of loans held-for-sale | 5,401 | 4,024 | 3,670 | 5,573 |
| Originations of loans held-for-sale | 5,215 | 3,891 | 388 | 8,586 |
| Foreclosed real estate | - | 0 | 0 | - |
| Loss on sale of premises and equipment | - | 37 | - | - |
| Loans | 186 | 133 | 121 | 148 |
| Available-for-sale investment securities | 0 | 0 | -1 | -4 |
| Held-to-maturity investment securities | -5 | -3 | -11 | -4 |
| Marketable securities | 76 | 667 | 145 | 638 |
| Gain on sale of subsidiary, attributable to pathfinder bancorp, inc | - | 0 | - | - |
| Depreciation | 374 | 143 | 413 | 823 |
| Amortization of mortgage servicing rights | 15 | 5 | 4 | -4 |
| Amortization of deferred loan fees and costs | 21 | -9 | -4 | 36 |
| Amortization of operating and finance leases, net | 107 | 112 | 115 | 215 |
| Amortization of deferred financing fees from subordinated debt | 0 | -103 | 52 | 99 |
| Earnings on bank owned life insurance | 256 | 230 | 286 | 318 |
| Net amortization of premiums and discounts on investment securities | -143 | 112 | 28 | -93 |
| Net amortization of premiums on intangible assets | 143 | 143 | 286 | 144 |
| Stock based compensation expense | 260 | 290 | 235 | 460 |
| Net change in accrued interest receivable | -496 | -170 | -391 | 8 |
| Net change in other assets and liabilities | 3,432 | -554 | 1,334 | 262 |
| Net cash (outflows) inflows from operating activities | -241 | 2,669 | 7,048 | 1,960 |
| Purchase of available-for-sale securities | 20,576 | 0 | 3,000 | 54,842 |
| Purchase of held-to-maturity securities | 0 | 0 | 0 | 16,858 |
| Purchase of marketable securities | 97 | 15 | 326 | 167 |
| Purchase of federal home loan bank stock | 1,112 | 1,309 | 2,238 | 7,520 |
| Proceeds from redemption of federal home loan bank stock | 1,503 | 2,237 | 4,028 | 6,832 |
| Proceeds from maturities and principal reductions of available-for-sale securities | 22,585 | 17,387 | 10,771 | 22,555 |
| Proceeds from maturities and principal reductions of held-to-maturity securities | 5,771 | 4,088 | 10,419 | 15,014 |
| Loans held-for-sale | - | 0 | 3,161 | - |
| Proceeds from sale of subsidiary | - | 816 | - | - |
| Real estate acquired through foreclosure | - | 0 | 0 | 0 |
| Available-for-sale investment securities | 0 | 1,801 | 1,195 | 3,194 |
| Held-to-maturity investment securities | 2,065 | 8,151 | 4,869 | 2,516 |
| Net change in loans | -1,345 | 4,590 | -10,412 | -3,124 |
| Acquisition of core deposit intangible asset | - | 0 | 0 | - |
| Proceeds from sale of assets held-for-sale | - | 0 | 0 | - |
| Purchase of premises and equipment | 248 | 273 | 126 | 861 |
| Net cash inflows (outflows) from investing activities | 11,236 | 28,293 | 39,165 | -27,013 |
| Net change in demand deposits, now accounts, savings accounts, money management deposit accounts, mmda accounts and escrow deposits | 62,297 | -16,670 | 12,375 | 32,135 |
| Net change in time deposits | -19,642 | -4,481 | -12,410 | 2,790 |
| Net change in brokered deposits | -14,776 | -20,082 | 3,229 | -17,562 |
| Net change in short-term borrowings | -29,000 | 6,000 | -37,500 | 14,500 |
| Change in noncontrolling interest, net | - | 0 | 0 | 0 |
| Payments on long-term borrowings | 0 | 4,628 | 5,100 | 14,155 |
| Proceeds from long-term borrowings | - | 0 | 2,825 | 8,064 |
| Proceeds fom long-term borrowings | 1,700 | - | - | - |
| Proceeds from exercise of stock options | 446 | 126 | 94 | 436 |
| Cash dividends paid to common non-voting shareholders | 480 | 138 | 137 | 277 |
| Cash dividends paid to common voting shareholders | 138 | 479 | 479 | 950 |
| Cash dividends paid on warrants | 13 | 12 | 13 | 25 |
| Net cash (outflows) inflows from financing activities | -3,006 | -40,364 | -37,116 | 24,956 |
| Change in cash and cash equivalents | 7,989 | -9,402 | 9,097 | -97 |
| Cash and cash equivalents at beginning of period | 31,170 | 40,572 | - | - |
| Cash and cash equivalents at end of period | 39,159 | 31,170 | 40,572 | - |
Pathfinder Bancorp, Inc. (PBHC)
Pathfinder Bancorp, Inc. (PBHC)