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PBHC on Nasdaq

Pathfinder Bancorp, Inc.

American state commercial bank, incorporated in Maryland1

In its 2026 annual report the company says: “Pathfinder Bancorp, Inc. is a Maryland corporation incorporated in 2014 and headquartered in Oswego, New York. The Company is a registered bank holding company subject to supervision and regulation by the Board of Governors of the Federal Reserve System. The Company is also subject to supervision and regulation by the New York State Department of Financial Services.”5 Its shares trade on Nasdaq under the symbol PBHC.1

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Last updated Oct 21, 2026.

Overview

-$1.9MNet income, fiscal 20252

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  • TickerPBHC on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersOswego, New York1
  • Incorporated inMD3
  • Business address214 West First Street, Oswego, Ny 131263
  • Filer categoryNon-accelerated filer, Smaller reporting company3

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Pathfinder Bancorp, Inc. (the "Company") is a Maryland corporation incorporated in 2014 and headquartered in Oswego, New York. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company. The Company is a registered bank holding company subject to supervision and regulation by the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”). The Company is also subject to supervision and regulation by the New York State Department of Financial Services (the “NYSDFS”).5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

-1.6%Return on equity2
0.11×Debt to equity2
$10.4MFree cash flow2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Deposit Related Fees Deposit Account brought in 25% of the revenue Pathfinder Bancorp, Inc. broke down this way in fiscal 2025.

  1. Deposit Related Fees Deposit Account$580.0K225%up 9% from 2024
  2. Net Gains Losses On Sale Of Loans And Foreclosed Real Estate$402.0K217%up 115% from 2024
  3. Bank Servicing$386.0K217%up 3% from 2024
  4. Banking House Rents Collected$372.0K216%up 92% from 2024
  5. ATM Fees Surcharge$272.0K212%up 12% from 2024
  6. Investment Services Revenue$139.0K26%down 70% from 2024
  7. ATM Fees Deposit Account$85.0K24%up 2% from 2024
  8. Credit Card, Merchant Discount$67.0K23%up 10% from 2024
Products and services by year
Products and services20242025
Deposit Related Fees Deposit Account$534.0K$580.0K
Net Gains Losses On Sale Of Loans And Foreclosed Real Estate$187.0K$402.0K
Bank Servicing$375.0K$386.0K
Banking House Rents Collected$194.0K$372.0K
ATM Fees Surcharge$242.0K$272.0K
Investment Services Revenue$470.0K$139.0K
ATM Fees Deposit Account$83.0K$85.0K
Credit Card, Merchant Discount$61.0K$67.0K

Financial statements

Net income678910112-$1.9M in 2025
-$5.0M0$5.0M$10.0M$15.0M2018: $4.0M$4.0M20182019: $4.3M$4.3M2019+6%2020: $7.0M$7.0M2020+63%2021: $12.4M$12.4M2021+79%2022: $12.9M$12.9M2022+4%2023: $9.3M$9.3M2023−28%2024: $3.4M$3.4M2024−64%2025: -$1.9M-$1.9M2025

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2025-12-312024-12-31
Loans, including fees$53.6M$52.7M
Taxable$20.7M$22.3M
Tax-exempt$1.7M$1.9M
Dividends$241.0K$620.0K
Federal funds sold and interest earning deposits$450.0K$793.0K
Total interest and dividend income$76.7M$78.4M
Interest on deposits$28.0M$30.5M
Interest on short-term borrowings$2.0M$4.2M
Interest on long-term borrowings$387.0K$733.0K
Interest on subordinated debt$2.0M$2.0M
Total interest expense$32.3M$37.4M
Net interest income$44.3M$41.0M
Loans$16.4M$11.1M
Held-to-maturity securities-$81.0K-$95.0K
Unfunded commitments$20.0K-$38.0K
Total provision for credit losses$16.3M$11.0M
Net interest income after provision for loan losses$28.0M$30.0M
Earnings and gains on bank owned life insurance$834.0K$854.0K
Losses on sales and redemptions of investment securities-$23.0K-$71.0K
(Loss) gain on asset sale-$115.0K$3.2M
Net unrealized gains on marketable equity securities$1.4M$197.0K
Gains on sales of loans and foreclosed real estate$402.0K$187.0K
Fair value adjustment to loans held-for-sale-$3.5M$0
Disposition of assets-$37.0K-$13.0K
Insurance agency revenue$0$1.1M
Total noninterest income$2.5M$9.6M
Salaries and employee benefits$18.9M$17.8M
Building and occupancy$5.3M$4.1M
Data processing$2.7M$2.5M
Professional and other services$2.8M$3.7M
Advertising$459.0K$604.0K
FDIC assessments$604.0K$916.0K
Audits and exams$475.0K$539.0K
Amortization Expense$627.0K$293.0K
Insurance agency expense$0$1.3M
Community service activities$70.0K$130.0K
Foreclosed real estate expenses$106.0K$102.0K
Other expenses$2.6M$2.5M
Total noninterest expenses$34.6M$34.4M
(Loss) income before provision for income taxes-$4.1M$5.2M
(Benefit) provision for income taxes-$2.2M$332.0K
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.-$1.9M$4.8M
Net income attributable to noncontrolling interest$0$1.4M
Net income attributable to Pathfinder Bancorp Inc.-$1.9M$3.4M
Dividends per common share (Voting and Series A Non-Voting)$0.40$0.40

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Corporate structure

Pathfinder Bancorp, Inc. sits at the top of its group. 5 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Pathfinder Bancorp, Inc.

  • Pathfinder Bancorp, Inc. Oswego, New York
    • Pathfinder Bank Subsidiary · New York, United States
    • Pathfinder Risk Management Company Inc. Subsidiary · New York, United States
    • Pathfinder Statutory Trust II Subsidiary · Delaware, United States
    • Whispering Oaks Development Corp. Subsidiary · New York, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Pathfinder Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$44.4M2 Dec 31, 2025$44.0M2 Dec 31, 2024+0.9%
Accumulated depreciation$26.4M2 Dec 31, 2025$25.0M2 Dec 31, 2024+5.5%
Property and equipment, net$18.0M2 Dec 31, 2025$19.0M2 Dec 31, 2024−5.3%
Finance-lease assets$15.9M2 Dec 31, 2025$16.7M2 Dec 31, 2024−4.7%
Operating-lease assets (leased space)$1.1M2 Dec 31, 2025$1.4M2 Dec 31, 2024−21.1%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$276.6M2 Dec 31, 2025$269.1M2 Dec 31, 2024+2.8%
Debt securities held to maturity$130.3M2 Dec 31, 2025$158.7M2 Dec 31, 2024−17.9%
Equity securities at fair value$206.0K2 Dec 31, 2025$206.0K2 Dec 31, 20240%
Deposits held (banks)$1.2B2 Dec 31, 2025$1.2B2 Dec 31, 2024−1.7%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$5.1M2 Dec 31, 2025$5.1M2 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$5.4M2 Dec 31, 2025$6.0M2 Dec 31, 2024−10.5%
Finite-lived intangibles, net$5.4M2 Dec 31, 2025$6.0M11 Dec 31, 2024−10.5%

Properties, in its own words

The Company has seven offices located in Oswego County, five offices located in Onondaga County and one limited purpose office located in Oneida County. Management believes that the Bank’s facilities are adequate for the business conducted. The following table sets forth certain information concerning the main office and each branch office of the Bank at December 31, 2025. The aggregate net book value of the Bank's premises and equipment was $18.0 million at December 31, 2025. For additional information regarding the Bank's properties, see Note 8 to the consolidated financial statements.

Location · Opening Date · Owned/Leased

The rest of Item 2

Main Office · 1874 · Owned

214 West First Street

Plaza Branch · 1989 · Owned (1)

291 State Route 104 East

Mexico Branch · 1978 · Owned

3361 Main Street

Mexico, New York 13114

Oswego East Branch · 1994 · Owned

34 East Bridge Street

Lacona Branch · 2002 · Owned

1897 Harwood Drive

Lacona, New York 13083

Fulton Branch · 2003 · Owned

5 West First Street South

Fulton, New York 13069

Central Square Branch · 2005 · Owned

3025 East Ave

Central Square, New York 13036

Cicero Branch · 2011 · Owned

6194 State Route 31

Cicero, New York 13039

Pike Block Branch · 2014 · Leased (2)

109 West Fayette Street

Syracuse, New York 13202

Clay Branch · 2018 · Leased (3)

3775 State Route 31

Liverpool, NY 13090

Southwest Corridor Branch · 2022 · Leased (4)

506 West Onondaga Street

Syracuse, NY 13204

East Syracuse Branch · 2024 · Leased (5)

6611 Manlius Center Road

East Syracuse, NY 13057

Utica Loan Production Office · 2017 · Leased (6)

258 Genesee Street

Utica, New York 13502

The building is owned; the underlying land is leased with an annual rent of $41,000.

The premises are leased with an annual rent of $64,000.

The premises are leased with an annual rent of $78,000.

The premises are leased with an annual rent of $262,000.

The premises are leased with an annual rent of $946,000.

The premises are leased with an annual rent of $18,000.

Item 2 of the 10-K filed Mar 30, 2026.5

Leadership

Who has led Pathfinder Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Thomas W. Schneider2014–2022
  2. James A. Dawd2023–now

President

  1. Thomas W. Schneider2014–2022
  2. James A. Dawd2023–now

Chief financial officer

  1. James A. Dawd2014–2018
  2. Walter Rusnak2019–2024
  3. Justin K. Bigham2024–now

Chief operating officer

  1. Melissa A. Miller2014–2016
  2. James A. Dawd2017–2023
201520202025
Board members and other officers (28)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Pathfinder Bank New York (direct)4
  • Pathfinder Risk Management Company Inc. New York (indirect)4
  • Pathfinder Statutory Trust II Delaware (direct)4
  • Whispering Oaks Development Corp. New York (indirect)4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Sep 28, 20268-K Other events50
  2. Jul 30, 20268-K Results of operations51
  3. Jun 29, 20268-K Other events52
  4. Jun 4, 20268-K Regulation FD disclosure53
  5. Jun 4, 20268-K Shareholder vote54
  6. May 7, 20268-K Entered a material agreement55
  7. Apr 29, 20268-K Results of operations56
  8. Mar 30, 20268-K Other events57
  9. Feb 27, 20268-K Results of operations58
  10. Jan 29, 20268-K Results of operations59
  11. Dec 22, 20258-K Other events60
  12. Oct 30, 20258-K Results of operations61
  13. Mar 22, 2023New chief executive James A. Dawd becomes CEO16
  14. Oct 16, 2014New chief executive Thomas W. Schneider becomes CEO17

Calendar

Coming up

  1. Oct 29, 2026Reports results for the quarter ending Sep/202662

When it reported results

  1. Jul 30, 2026Reported quarterly or annual results51
  2. Apr 29, 2026Reported quarterly or annual results56
  3. Feb 27, 2026Reported quarterly or annual results58
  4. Jan 29, 2026Reported quarterly or annual results59
  5. Oct 30, 2025Reported quarterly or annual results61
  6. Jul 30, 2025Reported quarterly or annual results63
  7. Apr 30, 2025Reported quarterly or annual results64
  8. Mar 4, 2025Reported quarterly or annual results65

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

284 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 68 major events, 156 insider forms, 15 large holders, 25 other. The latest 20:

  1. Sep 28, 20268-K EDGAR
  2. Aug 13, 202610-Q EDGAR
  3. Jul 30, 20268-K EDGAR
  4. Jun 29, 20268-K EDGAR
  5. Jun 17, 202611-K EDGAR
  6. Jun 16, 20264 EDGAR
  7. Jun 4, 20264 EDGAR
  8. Jun 4, 20268-K EDGAR
  9. Jun 4, 20268-K EDGAR
  10. May 15, 202610-Q EDGAR
  11. May 7, 20268-K PATHFINDER BANCORP, INC. FORM 8-K MAY 4, 2026 EDGAR
  12. May 6, 20264 EDGAR
  13. May 6, 20264 EDGAR
  14. May 6, 20264 EDGAR
  15. May 4, 2026144 EDGAR
  16. Apr 29, 20268-K EDGAR
  17. Apr 22, 2026DEF 14A EDGAR
  18. Apr 22, 2026ARS EDGAR
  19. Apr 10, 20264 EDGAR
  20. Apr 10, 20264 EDGAR

The 284 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

59 open-market trades by officers, directors and large owners since October 2021: 38 buys and 21 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 15, 2026Polniak JosephFVP, General CounselBuy1,000$15.88$15.9KForm 4
Jun 2, 2026Dowd James A.President and CEOBuy1,400$13.69$19.2KForm 4
Feb 13, 2026Gagas Adam C.DirectorBuy1,950$13.75$26.8KForm 4
Feb 12, 2026Gagas Adam C.DirectorBuy6$13.50$81Form 4
Feb 4, 2026Ayoub David A.DirectorBuy425$12.83$5.5KForm 4
May 5, 2025Ayoub David A.DirectorBuy1,000$14.95$14.9KForm 4
Mar 3, 2025TASCARELLA RONALDRetired Executive Vice Pres.Sale134$17.10$2.3KForm 4
Feb 28, 2025TASCARELLA RONALDRetired Executive Vice Pres.Sale2$17.10$34Form 4
Feb 27, 2025TASCARELLA RONALDRetired Executive Vice Pres.Sale42$17.10$718Form 4
Feb 26, 2025TASCARELLA RONALDRetired Executive Vice Pres.Sale1,228$17.10$21.0KForm 4
Feb 25, 2025TASCARELLA RONALDRetired Executive Vice Pres.Sale69$17.12$1.2KForm 4
Feb 20, 2025TASCARELLA RONALDRetired Executive Vice Pres.Sale5,000$17.00$85.0KForm 4
Feb 12, 2025O'Brien William DSenior Vice PresidentSale2,353$17.14$40.3KForm 4
Dec 5, 2024Allyn EricDirectorSale8,169$16.80$137.2KForm 4
Dec 3, 2024Allyn EricDirectorSale1,014$17.28$17.5KForm 4
Sep 16, 2024Phillips Daniel RSenior Vice PresidentSale5,000$15.64$78.2KForm 4
Aug 16, 2024Phillips Daniel RSenior Vice PresidentSale1,055$15.42$16.3KForm 4
May 7, 2024Ayoub David A.DirectorBuy260$12.40$3.2KForm 4
Mar 13, 2024Dowd James A.President and CEOBuy425$12.55$5.3KForm 4
Mar 12, 2024Dowd James A.President and CEOBuy200$12.02$2.4KForm 4

All 59 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025James A. Dowd58$440.0K$1.8M70
2025Justin K. Bigham$305.0K$1.2M70
2025Joseph F. Serbun$245.0K$849.6K70
2024President and Chief$405.0K$615.1K70

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Alliancebernstein L.P.478,169$6.1M0.0%+4,405
Minerva Advisors LLC262,204$4.2M2.6%No change
Vanguard Capital Management LLC130,641$2.1M0.0%+14,014
Oppenheimer & Close, LLC95,179$1.5M1.0%+3,264
Hamilton Point Investment Advisors, LLC38,429$610.3K0.1%No change
Geode Capital Management, LLC27,877$442.8K0.0%+4,941
Dimensional Fund Advisors LP20,445$324.7K0.0%−1,929
Susquehanna International Group, Llp19,388$307.9K0.0%−844
Vanguard Fiduciary Trust Co14,784$234.8K0.0%−2,196
Caldwell Sutter Capital, Inc.14,773$234.6K0.1%No change
BlackRock, Inc.13,067$207.5K0.0%+2,317
Osaic Holdings, Inc.12,895$204.8K0.0%−5,116
Bridgeway Capital Management, LLC10,200$162.0K0.0%No change
Royal Bank Of Canada5,866$93.0K0.0%No change
UBS Group AG2,654$42.1K0.0%New
Vanguard Global Advisers, LLC1,636$26.0K0.0%No change
Morgan Stanley495$7.9K0.0%No change
Tower Research Capital LLC (TRC)85$1.4K0.0%−377
Barclays PLC16$2540.0%New
Wells Fargo & Company/mn1$90.0%+1

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Pathfinder Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPathfinder Bancorp, Inc.1
  • CIK0001609065
  • Employer ID (EIN)38-39418595
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
  • Incorporated inMaryland5
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address214 West First Street, Oswego, NY 131261
  • Phone(315) 343-00571
  • Shares outstanding4,876,213 Voting Common Stock shares; 1,380,283 Series A Non Voting Common Stock shares as of Mar 24, 20265
  • Public float$80.0M as of Jun 30, 20255
  • AuditorBonadio & Co., LLP, Syracuse, New York PCAOB ID 18845
  • On EDGAR sinceJun 11, 20141
  • Filings659 in all: 4 (289), 8-K (171), 10-Q (36), 3 (30), SC 13G/A (23), 10-K (12), 11-K (12), DEF 14A (12)1
    All 35 form types

    144 (9), 4/A (9), SCHEDULE 13G/A (6), UPLOAD (6), CORRESP (5), 424B3 (4), ARS (4), D (3), S-8 (3), SC 13G (3), 3/A (2), 5 (2), 8-K/A (2), EFFECT (2), SC 13D/A (2), 10-K/A (1), 10-Q/A (1), 425 (1), 8-A12B (1), NT 11-K (1), PRE 14A (1), S-1 (1), S-1/A (1), S-4 (1), SC 13D (1), SCHEDULE 13G (1), SE (1)

  • Latest filingsAnnual report (10-K) Mar 30, 2026
    Quarterly report (10-Q) Aug 13, 2026
    Proxy statement (DEF 14A) Apr 22, 2026
    Latest 8-K (8-K) Sep 28, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 par valuePBHCThe NASDAQ Stock Market LLC

From the cover page of the 10-K filed Mar 30, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

Legal proceedings

There are various claims and lawsuits to which the Company is periodically involved that are incidental to the Company's business, most notably foreclosures. In the opinion of management, such claims and lawsuits in the aggregate are not expected to have a material adverse impact on the Company's consolidated financial condition and results of operations at December 31, 2025.

The opening of Item 3, Legal Proceedings.5

Sources

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