Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	31.48	31.57	48.73	35.28	35.55	41.86
Investment Securities	463.72	214.62	229.5	187.35	175.81	125.84
Trading Asset Securities	-	6.09	4.59	9.72	1.46	0.19
Mortgage-Backed Securities	-	217.47	211.71	200.64	176.39	175.5
Total Investments	463.72	438.18	445.8	397.71	353.66	301.53
Gross Loans	914.37	920.57	897.78	898.75	833.23	825.21
Allowance for Loan Losses	-15.98	-17.24	-15.98	-15.32	-12.94	-12.78
Other Adjustments to Gross Loans	-1.48	-1.59	-0.57	-1	-1.28	-1.24
Net Loans	896.9	901.74	881.23	882.44	819.01	811.19
Property, Plant & Equipment	36.44	37.08	24.04	24.18	23.8	24.5
Goodwill	5.06	5.06	4.54	4.54	4.54	4.54
Other Intangible Assets	5.68	5.99	0.09	0.1	0.12	0.13
Loans Held for Sale	-	-	-	-	0.51	1.53
Accrued Interest Receivable	6.89	6.88	7.29	6.17	4.52	4.55
Restricted Cash	-	-	-	-	1.6	1.6
Other Current Assets	-	-	3.04	3.04	-	-
Long-Term Deferred Tax Assets	-	4.18	3.93	3.72	-	0.82
Other Real Estate Owned & Foreclosed	0.08	-	0.15	0.22	-	-
Other Long-Term Assets	53.6	39.61	38.22	36.55	37.69	30.8
Total Assets	1,505	1,475	1,466	1,400	1,285	1,227
Interest Bearing Deposits	885.8	848.33	854.63	870.02	796.04	741.87
Institutional Deposits	144.36	142.47	95.27	71.7	67.45	91.98
Non-Interest Bearing Deposits	191.73	213.72	170.17	183.71	191.86	162.06
Total Deposits	1,222	1,205	1,120	1,125	1,055	995.91
Short-Term Borrowings	75.5	61	125.68	60.33	12.5	4.07
Current Portion of Long-Term Debt	-	23.88	-	-	-	-
Current Portion of Leases	-	0.47	-	-	-	-
Accrued Interest Payable	0.81	0.55	2.25	0.98	0.11	0.19
Long-Term Debt	30.21	24.95	24.76	24.58	24.41	34.25
Federal Home Loan Bank Debt, Long-Term	20.98	3.19	49.92	55.66	64.6	78.03
Long-Term Leases	17.88	17.86	6.09	6.84	3.04	3.11
Trust Preferred Securities	-	5.16	5.16	5.16	5.16	5.16
Pension & Post-Retirement Benefits	-	0.82	0.81	0.77	0.9	1.3
Other Long-Term Liabilities	13.44	10.99	10.81	8.59	8.49	7.71
Total Liabilities	1,381	1,353	1,346	1,288	1,175	1,130
Preferred Stock, Convertible	-	-	-	-	-	0.01
Total Preferred Equity	-	-	-	-	-	0.01
Common Stock	0.06	0.06	0.06	0.06	0.06	0.05
Additional Paid-In Capital	53.65	52.75	53.11	52.1	51.04	50.02
Retained Earnings	79.56	77.82	76.06	71.32	60.95	50.28
Comprehensive Income & Other	-8.86	-9.14	-9.74	-12.49	-1.76	-2.91
Total Common Equity	124.41	121.48	119.5	111	110.29	97.44
Minority Interest	-	-	0.76	0.59	0.35	0.27
Shareholders' Equity	124.41	121.48	120.26	111.58	110.63	97.72
Total Liabilities & Equity	1,505	1,475	1,466	1,400	1,285	1,227
Total Debt	144.56	136.51	211.61	152.57	109.7	124.62
Net Cash (Debt)	-113.09	-98.85	-158.28	-107.57	-72.69	-82.56
Net Cash Per Share	-18.47	-16.22	-26.24	-18.11	-13.92	-17.92
Filing Date Shares Outstanding	6.17	6.14	6.08	5.99	5.92	4.45
Total Common Shares Outstanding	6.17	6.13	6.08	5.99	5.92	4.44
Book Value Per Share	20.17	19.83	19.65	18.53	18.64	21.95
Tangible Book Value	113.68	110.44	114.87	106.36	105.63	92.77
Tangible Book Value Per Share	18.43	18.03	18.89	17.76	17.85	20.90

Updated May 15, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q