Financial insights of PBHC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$2,413K
EPS
$0.38
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Noninterest income-Deposit Account	-	385*	-	-
Noninterest income-Financial Service Other	213	240*	-	230
Loss on sale of premises and equipment	-	-	0	-
Noninterest income-Bank Servicing	-	65*	113	-
Noninterest income-Deposit Account	376	-	404	380
Noninterest income-Debit Card	139	112	217	180
Noninterest income-Bank Servicing	89	-	-	97
Disposition of assets	-	-9*	-	-
Gains on sales of loans and foreclosed real estate	186	133	121	83
Insurance agency revenue	-	0*	0	0
Earnings and gains on bank owned life insurance	256	230	286	156
Net realized losses on sales and redemptions of investment securities	-5	-3	-12	0
Net unrealized gains on marketable equity securities	76	667	145	420
Noninterest income-Financial Service Other	-	-	229	-
Fair value adjustment to loans held-for-sale	-203	-506*	0	-3,064
Total noninterest income	1,127	1,313	1,503	-1,518
Loans, including fees	12,357	12,983	13,799	13,106
Taxable	4,599	4,681	5,307	5,522
Tax-exempt	335	385	455	465
Dividends	49	83	44	21
Federal funds sold and interest earning deposits	162	162	131	68
Total interest and dividend income	17,502	18,294	19,736	19,182
Interest on deposits	6,133	6,768	6,957	7,318
Interest on short-term borrowings	266	365	566	495
Interest on long-term borrowings	114	123	127	72
Interest on subordinated debt	649	528	486	483
Total interest expense	7,162	7,784	8,136	8,368
Net interest income	10,340	10,510	11,600	10,814
Loans	-	11,228*	-	1,173
Other Liabilities Loans	-186	-	3,341	-
Held-to-maturity securities	-	-96*	-	5
Other Liabilities Held To Maturity Securities	-	-	0	-
Unfunded commitments	-	62*	-	19
Other Liabilities Unfunded Commitments	18	-	153	-
Total provision for credit losses	-168	11,194	3,494	1,197
Net interest income after provision for credit gaines	10,508	-684	8,106	9,617
Salaries and employee benefits	4,857	4,924	5,005	4,525
Building and occupancy	1,327	1,337	1,399	1,230
Data processing	733	698	641	667
Professional and other services	680	657	709	778
Amortization expense	-	157*	-	-
Advertising	89	155	86	77
Insurance agency expense	-	0*	0	0
Fdic assessments	204	204	171	0
Audits and exams	140	169	132	60
Amortization expense	157	-	156	157
Community service activities	21	21	10	28
Foreclosed real estate expenses	9	30	26	29
Other expenses	475	798	602	510
Total noninterest expense	8,692	9,150	8,937	8,061
Income before provision for income taxes	2,943	-8,521	672	38
Provision for income taxes	530	-2,957	46	7
Net income (loss) attributable to noncontrolling interest and pathfinder bancorp, inc	2,413	-5,564	626	31
Net income attributable to noncontrolling interest	-	0	0	0
Net income	2,413	-5,564	626	31

Basic EPS	0.38	-1,123.133	0.1	-
Diluted EPS	0.38	-1,173.84	0.1	0.47
Basic Average Shares	4,838	4,954	4,790	-
Diluted Average Shares	4,885	4,740	4,842	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$2,413K
EPS
$0.38
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$2,413K
EPS
$0.38
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$2,413KEPS$0.38Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$2,413KEPS$0.38Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$2,413K
EPS
$0.38
Unit: Thousand (K) dollars

Net Income
$2,413K
EPS
$0.38
Unit: Thousand (K) dollars