For the quarter ending 2025-09-30, PBHC made $41,818,000 in revenue. $626,000 in net income. Net profit margin of 1.50%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 13,799,000 | 13,106,000 | 13,672,000 | 12,760,000 |
| Taxable | 5,307,000 | 5,522,000 | 5,185,000 | 5,551,666.667 |
| Tax-exempt | 455,000 | 465,000 | 402,000 | 483,666.667 |
| Dividends | 44,000 | 21,000 | 93,000 | 157,000 |
| Federal funds sold and interest earning deposits | 131,000 | 68,000 | 89,000 | 100,333.333 |
| Total interest and dividend income | 19,736,000 | 19,182,000 | 19,441,000 | 19,052,666.667 |
| Interest on deposits | 6,957,000 | 7,318,000 | 6,945,000 | 7,620,000 |
| Interest on short-term borrowings | 566,000 | 495,000 | 545,000 | 1,013,333.333 |
| Interest on long-term borrowings | 127,000 | 72,000 | 65,000 | 177,000 |
| Interest on subordinated debt | 486,000 | 483,000 | 475,000 | 490,000 |
| Total interest expense | 8,136,000 | 8,368,000 | 8,030,000 | 9,300,333.333 |
| Net interest income | 11,600,000 | 10,814,000 | 11,411,000 | 9,752,333.333 |
| Unfunded commitments | - | 19,000 | -47,000 | 22,000 |
| Other Liabilities Loans | 3,341,000 | - | - | - |
| Held-to-maturity securities | - | 5,000 | - | -21,333.333 |
| Other Liabilities Held To Maturity Securities | 0 | - | - | - |
| Loans | - | 1,173,000 | 504,000 | 667,333.333 |
| Other Liabilities Unfunded Commitments | 153,000 | - | - | - |
| Total provision for credit losses | 3,494,000 | 1,197,000 | 457,000 | 668,000 |
| Net interest income after provision for credit losses | 8,106,000 | 9,617,000 | 10,954,000 | 9,084,333.333 |
| Noninterest income-Deposit Account | 404,000 | 380,000 | - | - |
| Earnings and gains on bank owned life insurance | 286,000 | 156,000 | 162,000 | 164,333.333 |
| Gain on sale of subsidiary | - | - | - | 792,250 |
| Noninterest income | - | - | 760,000 | 1,038,000 |
| Noninterest income-Bank Servicing | 113,000 | - | - | - |
| Net realized losses on sales and redemptions of investment securities | -12,000 | 0 | -8,000 | 39,000 |
| Disposition of assets | - | - | - | 7,666.667 |
| Net unrealized gains on marketable equity securities | 145,000 | 420,000 | 218,000 | 45,000 |
| Gains on sales of loans and foreclosed real estate | 121,000 | 83,000 | 65,000 | 296,416.667 |
| Noninterest income-Bank Servicing | - | 97,000 | - | - |
| Fair value adjustment to loans held-for-sale | 0 | -3,064,000 | - | - |
| Noninterest income-Financial Service Other | - | 230,000 | - | - |
| Loss on sale of premises and equipment | 0 | - | - | - |
| Noninterest income-Debit Card | 217,000 | 180,000 | - | - |
| Insurance agency revenue | 0 | 0 | - | 235,333.333 |
| Noninterest income-Financial Service Other | 229,000 | - | - | - |
| Total noninterest income | 1,503,000 | -1,518,000 | 1,197,000 | 2,618,000 |
| Salaries and employee benefits | 5,005,000 | 4,525,000 | 4,450,000 | 4,283,666.667 |
| Building and occupancy | 1,399,000 | 1,230,000 | 1,347,000 | 994,666.667 |
| Data processing | 641,000 | 667,000 | 666,000 | 599,666.667 |
| Professional and other services | 709,000 | 778,000 | 606,000 | 622,000 |
| Advertising | 86,000 | 77,000 | 141,000 | 146,333.333 |
| Fdic assessments | 171,000 | 0 | 229,000 | 229,333.333 |
| Audits and exams | 132,000 | 60,000 | 114,000 | 138,666.667 |
| Amortization expense | 156,000 | 157,000 | 157,000 | - |
| Insurance agency expense | 0 | 0 | - | 324,333.333 |
| Community service activities | 10,000 | 28,000 | 11,000 | 36,666.667 |
| Foreclosed real estate expenses | 26,000 | 29,000 | 21,000 | 25,000 |
| Other expenses | 602,000 | 510,000 | 691,000 | 652,333.333 |
| Total noninterest expense | 8,937,000 | 8,061,000 | 8,433,000 | 8,052,666.667 |
| Income (loss) before provision for income taxes | 672,000 | 38,000 | 3,718,000 | 3,649,666.667 |
| Provision for (benefit from) income taxes | 46,000 | 7,000 | 744,000 | 501,666.667 |
| Net income (loss) attributable to noncontrolling interest and pathfinder bancorp, inc | 626,000 | 31,000 | 2,974,000 | 3,148,000 |
| Net income attributable to noncontrolling interest | 0 | 0 | - | 472,333.333 |
| Net income (loss) attributable to pathfinder bancorp inc | 626,000 | 31,000 | 2,974,000 | 2,675,666.667 |
| Basic eps | - | - | 0.48 | 0.43 |
| Basic average shares | - | - | 4,749 | 0 |
| Diluted average shares | - | - | 4,749 | 0 |
| Earnings per share, diluted | - | 0.47 | 0.41 | 0.43 |
| 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)