Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	26.05	31.17	31.57	48.73	35.28	35.55
Investment Securities	233.24	187.3	214.62	229.5	187.35	175.81
Trading Asset Securities	3.89	1.51	6.09	4.59	9.72	1.46
Mortgage-Backed Securities	250.5	225.88	217.47	211.71	200.64	176.39
Total Investments	487.62	414.68	438.18	445.8	397.71	353.66
Gross Loans	889.77	898.01	920.57	897.78	898.75	833.23
Allowance for Loan Losses	-26.92	-29.44	-17.24	-15.98	-15.32	-12.94
Other Adjustments to Gross Loans	-0.8	-1.34	-1.59	-0.57	-1	-1.28
Net Loans	862.06	867.23	901.74	881.23	882.44	819.01
Property, Plant & Equipment	34.2	34.99	37.08	24.04	24.18	23.8
Goodwill	5.06	5.06	5.06	4.54	4.54	4.54
Other Intangible Assets	5.05	5.36	5.99	0.09	0.1	0.12
Loans Held for Sale	5.7	5.9	-	-	-	0.51
Accrued Interest Receivable	6.51	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	-	6.37	4.18	3.93	3.72	-
Other Real Estate Owned & Foreclosed	0.14	0.14	-	0.15	0.22	-
Other Long-Term Assets	53.18	46.85	39.61	38.22	36.55	37.69
Total Assets	1,493	1,427	1,475	1,466	1,400	1,285

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	829.03	852.69	848.33	854.63	870.02	796.04
Institutional Deposits	131.67	134.78	142.47	95.27	71.7	67.45
Non-Interest Bearing Deposits	213.56	196.38	213.72	170.17	183.71	191.86
Total Deposits	1,174	1,184	1,205	1,120	1,125	1,055
Short-Term Borrowings	125	44	61	125.68	60.33	12.5
Current Portion of Long-Term Debt	-	10.01	-	-	-	-
Current Portion of Leases	0.48	0.47	-	-	-	-
Accrued Interest Payable	0.47	0.42	0.55	2.25	0.98	0.11
Long-Term Debt	30.16	25	24.95	24.76	24.58	24.41
Federal Home Loan Bank Debt, Long-Term	8.37	4.06	27.07	49.92	55.66	64.6
Long-Term Leases	16.98	17.23	18.34	6.09	6.84	3.04
Trust Preferred Securities	-	5.16	5.16	5.16	5.16	5.16
Pension & Post-Retirement Benefits	-	0.84	0.82	0.81	0.77	0.9
Other Long-Term Liabilities	11.03	13.15	10.99	10.81	8.59	8.49
Total Liabilities	1,367	1,304	1,353	1,346	1,288	1,175

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	0.06	0.06	0.06	0.06	0.06	0.06
Additional Paid-In Capital	55.62	54.39	52.75	53.11	52.1	51.04
Retained Earnings	77.18	73.37	77.82	76.06	71.32	60.95
Comprehensive Income & Other	-7.12	-5.37	-9.14	-9.74	-12.49	-1.76
Total Common Equity	125.74	122.45	121.48	119.5	111	110.29
Minority Interest	-	-	-	0.76	0.59	0.35
Shareholders' Equity	125.74	122.45	121.48	120.26	111.58	110.63
Total Liabilities & Equity	1,493	1,427	1,475	1,466	1,400	1,285

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	180.99	105.92	136.51	211.61	152.57	109.7
Net Cash (Debt)	-151.05	-73.25	-98.85	-158.28	-107.57	-72.69
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-24.11	-11.79	-16.22	-26.24	-18.11	-13.92
Filing Date Shares Outstanding	6.28	6.26	6.14	6.08	5.99	5.92
Total Common Shares Outstanding	6.28	6.19	6.13	6.08	5.99	5.92
Book Value Per Share	20.03	19.80	19.83	19.65	18.53	18.64
Tangible Book Value	115.64	112.03	110.44	114.87	106.36	105.63
Tangible Book Value Per Share	18.42	18.11	18.03	18.89	17.76	17.85

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 10, 2026

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