| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans, including fees | 13,799 | 13,106 | 13,672 | 14,425 |
| Taxable | 5,307 | 5,522 | 5,185 | 5,664 |
| Tax-exempt | 455 | 465 | 402 | 469 |
| Dividends | 44 | 21 | 93 | 149 |
| Federal funds sold and interest earning deposits | 131 | 68 | 89 | 492 |
| Total interest and dividend income | 19,736 | 19,182 | 19,441 | 21,199 |
| Interest on deposits | 6,957 | 7,318 | 6,945 | 7,633 |
| Interest on short-term borrowings | 566 | 495 | 545 | 1,136 |
| Interest on long-term borrowings | 127 | 72 | 65 | 202 |
| Interest on subordinated debt | 486 | 483 | 475 | 496 |
| Total interest expense | 8,136 | 8,368 | 8,030 | 9,467 |
| Net interest income | 11,600 | 10,814 | 11,411 | 11,732 |
| Unfunded commitments | - | 19 | -47 | -104 |
| Other Liabilities Loans | 3,341 | - | - | - |
| Held-to-maturity securities | - | 5 | - | -31 |
| Other Liabilities Held To Maturity Securities | 0 | - | - | - |
| Loans | - | 1,173 | 504 | 9,104 |
| Other Liabilities Unfunded Commitments | 153 | - | - | - |
| Total provision for credit losses | 3,494 | 1,197 | 457 | 8,969 |
| Net interest income after provision for credit losses | 8,106 | 9,617 | 10,954 | 2,763 |
| Noninterest income-Deposit Account | 404 | 380 | - | - |
| Earnings and gains on bank owned life insurance | 286 | 156 | 162 | 361 |
| Noninterest income | - | - | 760 | 1,051 |
| Noninterest income-Bank Servicing | 113 | - | - | - |
| Net realized losses on sales and redemptions of investment securities | -12 | 0 | -8 | -188 |
| Loss on sale of premises and equipment | - | - | - | -36 |
| Net unrealized gains on marketable equity securities | 145 | 420 | 218 | 62 |
| Gains on sales of loans and foreclosed real estate | 121 | 83 | 65 | 90 |
| Noninterest income-Bank Servicing | - | 97 | - | - |
| Fair value adjustment to loans held-for-sale | 0 | -3,064 | - | - |
| Noninterest income-Financial Service Other | - | 230 | - | - |
| Loss on sale of premises and equipment | 0 | - | - | - |
| Noninterest income-Debit Card | 217 | 180 | - | - |
| Insurance agency revenue | 0 | 0 | - | 367 |
| Noninterest income-Financial Service Other | 229 | - | - | - |
| Total noninterest income | 1,503 | -1,518 | 1,197 | 1,707 |
| Salaries and employee benefits | 5,005 | 4,525 | 4,450 | 4,959 |
| Building and occupancy | 1,399 | 1,230 | 1,347 | 1,134 |
| Data processing | 641 | 667 | 666 | 672 |
| Professional and other services | 709 | 778 | 606 | 1,820 |
| Advertising | 86 | 77 | 141 | 165 |
| Fdic assessments | 171 | 0 | 229 | 228 |
| Audits and exams | 132 | 60 | 114 | 123 |
| Amortization expense | 156 | 157 | 157 | - |
| Insurance agency expense | 0 | 0 | - | 308 |
| Community service activities | 10 | 28 | 11 | 20 |
| Foreclosed real estate expenses | 26 | 29 | 21 | 27 |
| Other expenses | 602 | 510 | 691 | 803 |
| Total noninterest expense | 8,937 | 8,061 | 8,433 | 10,259 |
| Income (loss) before provision for income taxes | 672 | 38 | 3,718 | -5,789 |
| Provision for (benefit from) income taxes | 46 | 7 | 744 | -1,173 |
| Net income (loss) attributable to noncontrolling interest and pathfinder bancorp, inc | 626 | 31 | 2,974 | -4,616 |
| Net income attributable to noncontrolling interest | 0 | 0 | - | 28 |
| Net income (loss) attributable to pathfinder bancorp inc | 626 | 31 | 2,974 | -4,644 |
| Basic eps | - | - | 0.48 | -0.75 |
| Basic average shares | - | - | 4,749 | 4,714 |
| Diluted average shares | - | - | 4,749 | 4,714 |
| Earnings per share, diluted | - | 0.47 | 0.41 | -0.75 |
| Earnings per share, basic | 0.1 | - | - | - |
| Earnings per share, diluted | 0.1 | - | - | - |
| Weighted average number of shares outstanding, basic | 4,790 | - | - | - |
| Weighted average number of shares outstanding, diluted | 4,842 | - | - | - |
Pathfinder Bancorp, Inc. (PBHC)
Pathfinder Bancorp, Inc. (PBHC)