Pathfinder Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	41.7	31.17	31.57	48.73	35.28	35.55
Investment Securities	472.36	187.3	214.62	229.5	187.35	175.81
Trading Asset Securities	-	1.51	6.09	4.59	9.72	1.46
Mortgage-Backed Securities	-	225.88	217.47	211.71	200.64	176.39
Total Investments	472.36	414.68	438.18	445.8	397.71	353.66
Gross Loans	873.72	898.01	920.57	897.78	898.75	833.23
Allowance for Loan Losses	-22.74	-29.44	-17.24	-15.98	-15.32	-12.94
Other Adjustments to Gross Loans	-0.72	-1.34	-1.59	-0.57	-1	-1.28
Net Loans	850.27	867.23	901.74	881.23	882.44	819.01
Property, Plant & Equipment	33.85	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	4.89	5.36	5.99	0.09	0.1	0.12
Loans Held for Sale	5.7	5.9	-	-	-	0.51
Accrued Interest Receivable	6.23	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	0.08	0.14	-	0.15	0.22	-
Other Long-Term Assets	64.45	46.85	39.61	38.22	36.55	37.69
Total Assets	1,492	1,427	1,475	1,466	1,400	1,285

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Interest Bearing Deposits	824.76	852.69	848.33	854.63	870.02	796.04
Institutional Deposits	130.06	134.78	142.47	95.27	71.7	67.45
Non-Interest Bearing Deposits	203.69	196.38	213.72	170.17	183.71	191.86
Total Deposits	1,159	1,184	1,205	1,120	1,125	1,055
Short-Term Borrowings	150	44	61	125.68	60.33	12.5
Current Portion of Long-Term Debt	-	10.01	-	-	-	-
Current Portion of Leases	-	0.47	-	-	-	-
Accrued Interest Payable	0.28	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	5.55	4.06	27.07	49.92	55.66	64.6
Long-Term Leases	17.34	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	11.01	13.15	10.99	10.81	8.59	8.49
Total Liabilities	1,373	1,304	1,353	1,346	1,288	1,175

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Common Stock	0.06	0.06	0.06	0.06	0.06	0.06
Additional Paid-In Capital	55.9	54.39	52.75	53.11	52.1	51.04
Retained Earnings	78.62	73.37	77.82	76.06	71.32	60.95
Comprehensive Income & Other	-15.82	-5.37	-9.14	-9.74	-12.49	-1.76
Total Common Equity	118.77	122.45	121.48	119.5	111	110.29
Minority Interest	-	-	-	0.76	0.59	0.35
Shareholders' Equity	118.77	122.45	121.48	120.26	111.58	110.63
Total Liabilities & Equity	1,492	1,427	1,475	1,466	1,400	1,285

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Total Debt	203.05	105.92	136.51	211.61	152.57	109.7
Net Cash (Debt)	-161.35	-73.25	-98.85	-158.28	-107.57	-72.69
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-25.59	-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	18.92	19.80	19.83	19.65	18.53	18.64
Tangible Book Value	108.82	112.03	110.44	114.87	106.36	105.63
Tangible Book Value Per Share	17.33	18.11	18.03	18.89	17.76	17.85

SEC Filings: 10-K · 10-Q