Pathfinder Bancorp, Inc. (PBHC)

NASDAQ: PBHC · Real-Time Price · USD

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13.60

-0.07 (-0.51%)

At close: Feb 13, 2026, 4:00 PM EST

13.29

-0.31 (-2.28%)

After-hours: Feb 13, 2026, 4:04 PM EST

Pathfinder Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	31.17	31.57	48.73	35.28	35.55
Investment Securities	413.17	432.09	229.5	187.35	175.81
Trading Asset Securities	-	-	4.59	9.72	1.46
Mortgage-Backed Securities	-	-	211.71	200.64	176.39
Total Investments	413.17	432.09	445.8	397.71	353.66
Gross Loans	898.01	920.57	897.78	898.75	833.23
Allowance for Loan Losses	-29.44	-17.24	-15.98	-15.32	-12.94
Other Adjustments to Gross Loans	-1.34	-1.59	-0.57	-1	-1.28
Net Loans	867.23	901.74	881.23	882.44	819.01
Property, Plant & Equipment	34.99	37.08	24.04	24.18	23.8
Goodwill	5.06	5.06	4.54	4.54	4.54
Other Intangible Assets	5.36	5.99	0.09	0.1	0.12
Loans Held for Sale	5.9	-	-	-	0.51
Accrued Interest Receivable	6.33	6.88	7.29	6.17	4.52
Restricted Cash	-	-	-	-	1.6
Other Current Assets	-	-	3.04	3.04	-
Long-Term Deferred Tax Assets	-	-	3.93	3.72	-
Other Real Estate Owned & Foreclosed	0.14	-	0.15	0.22	-
Other Long-Term Assets	53.24	49.88	38.22	36.55	37.69
Total Assets	1,425	1,475	1,466	1,400	1,285
Interest Bearing Deposits	987.47	990.81	854.63	870.02	796.04
Institutional Deposits	-	-	95.27	71.7	67.45
Non-Interest Bearing Deposits	196.38	213.72	170.17	183.71	191.86
Total Deposits	1,184	1,205	1,120	1,125	1,055
Short-Term Borrowings	44	61	125.68	60.33	12.5
Accrued Interest Payable	0.42	0.55	2.25	0.98	0.11
Long-Term Debt	30.16	30.11	24.76	24.58	24.41
Federal Home Loan Bank Debt, Long-Term	14.07	27.07	49.92	55.66	64.6
Long-Term Leases	17.69	18.34	6.09	6.84	3.04
Trust Preferred Securities	-	-	5.16	5.16	5.16
Pension & Post-Retirement Benefits	-	-	0.81	0.77	0.9
Other Long-Term Liabilities	13.99	11.81	10.81	8.59	8.49
Total Liabilities	1,304	1,353	1,346	1,288	1,175
Common Stock	0.06	0.06	0.06	0.06	0.06
Additional Paid-In Capital	54.39	52.75	53.11	52.1	51.04
Retained Earnings	71.88	77.82	76.06	71.32	60.95
Comprehensive Income & Other	-5.37	-9.14	-9.74	-12.49	-1.76
Total Common Equity	120.97	121.48	119.5	111	110.29
Minority Interest	-	-	0.76	0.59	0.35
Shareholders' Equity	120.97	121.48	120.26	111.58	110.63
Total Liabilities & Equity	1,425	1,475	1,466	1,400	1,285
Total Debt	105.92	136.51	211.61	152.57	109.7
Net Cash (Debt)	-74.75	-104.94	-158.28	-107.57	-72.69
Net Cash Per Share	-12.04	-17.22	-26.24	-18.11	-13.92
Filing Date Shares Outstanding	6.19	6.14	6.08	5.99	5.92
Total Common Shares Outstanding	6.19	6.13	6.08	5.99	5.92
Book Value Per Share	19.56	19.83	19.65	18.53	18.64
Tangible Book Value	110.55	110.44	114.87	106.36	105.63
Tangible Book Value Per Share	17.87	18.03	18.89	17.76	17.85

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q