Pathfinder Bancorp posts FY25 net loss of $1.9 million; provision for credit losses climbs to $16.3 million

Pathfinder Bancorp, Inc. 0.00%

Pathfinder Bancorp, Inc.

PBHC

12.91

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  • Pathfinder Bancorp posted a net loss of USD 1.9 million for fiscal 2025, compared with net income of USD 3.4 million a year earlier.
  • Net interest income rose 8.2% to USD 44.3 million, lifting net interest margin 23 basis points to 3.21%.
  • Provision for credit losses increased to USD 16.3 million, driven by a comprehensive review of commercial loan relationships with exposures of USD 500,000 or more.
  • Noninterest income fell to USD 2.5 million on a USD 3.5 million fair value adjustment to loans held-for-sale; prior year results included a USD 3.2 million gain tied to an insurance agency asset sale.
  • Board declared a USD 0.10 per share quarterly cash dividend, paid Feb. 6, 2026; management said it expects to allow its 2020 subordinated debt to remain outstanding after it reset to three-month SOFR plus 5.32%.


Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Pathfinder Bancorp Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-132075), on March 30, 2026, and is solely responsible for the information contained therein.

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