PBHC on Nasdaq

Pathfinder Bancorp, Inc.

American state commercial bank, incorporated in Maryland. Summary from the record

Price unavailable

Last updated Oct 19, 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”).4 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 income56789102-$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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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)

Timeline

  1. Mar 22, 2023New chief executive James A. Dawd becomes CEO15
  2. Oct 16, 2014New chief executive Thomas W. Schneider becomes CEO16

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.

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.

Sources

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