PBHCNasdaqState Commercial BanksUS GAAP · USD

Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. is a U.S.-based bank holding company for Pathfinder Bank, a community commercial bank serving customers in central and upstate New York. Its business centers on taking deposits, making commercial and consumer loans, and providing related banking services through a branch-based local banking franchise.

Kysy yhtiöstä
Nettotulos−1,9milj. USD
−157,1 %v/v
Vapaa kassavirta10,4milj. USD
+13,9 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

01milj. USD202020212022202320242025
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: Pathfinder Bancorp, Inc.

Liiketoiminta

Osuus liikevaihdosta
Commercial lending45 %

Loans to businesses and commercial property owners, including real estate and operating credit.

Consumer and mortgage lending20 %

Residential mortgage and consumer credit products for households and individuals.

Deposit services25 %

Checking, savings, money market, and time deposit accounts used to fund the bank.

Fee-based banking services10 %

Cash management, letters of credit, and other customer service fees.

Asiakkaat

Pathfinder Bancorp serves local businesses, commercial property owners, and households that want relationship-based banking from a community institution. Its customer base is concentrated in the markets where it operates branches, with lending and deposit relationships tied to small and mid-sized local clients.

Small and mid-sized businesses

Borrow commercial loans, lines of credit, and cash management services for operating needs and expansion.

Commercial real estate owners

Use the bank for property acquisition, construction, and refinancing loans.

Households and retail customers

Buy deposit accounts, residential mortgages, and consumer loans for everyday banking and borrowing.

Local municipalities and institutions

May use deposit and treasury services where relationship banking and local presence matter.

Strategia

Pathfinder Bancorp's strategy is to maintain a strong capital base while supporting loan growth and expansion in its local banking markets. It also relies on disciplined liquidity management, deposit mix optimization, and selective acquisitions or branch additions to deepen its franchise.

Preserve strong capital and regulatory complianceLyhyt aikaväli

Capital supports lending capacity, expansion, and resilience in a banking business.

Grow and re-balance depositsKeskipitkä aikaväli

A stable deposit base funds loans and reduces reliance on wholesale funding.

Expand through selective branch and franchise additionsKeskipitkä aikaväli

Local acquisitions can add customers and market presence if integrated well.

Maantiede

The company operates primarily in central and upstate New York through Pathfinder Bank's branch network. Its business is geographically concentrated, so local economic conditions, property markets, and deposit competition in New York have an outsized effect on growth and credit performance.

Riskit

As a community bank, Pathfinder Bancorp is exposed to credit risk, deposit competition, and sensitivity to local economic and real estate conditions. Regulatory requirements, securities market movements, and integration risk from acquisitions can also affect planning, funding, and operating execution.

Järjestetty vakavuuden mukaan
Credit loss and borrower deteriorationKorkea

The bank lends to local businesses, property owners, and households, so weaker borrowers can increase charge-offs and provisions.

KohdistuuCommercial real estateBusiness lendingConsumer lending
Deposit competition and funding mix shiftsKorkea

Community banks depend on stable deposits, and changes toward higher-cost deposits can pressure funding economics.

KohdistuuMoney marketTime depositsNoninterest-bearing deposits
Regional economic concentrationKeskitaso

Results depend heavily on central and upstate New York conditions, including employment and property markets.

Kohdistuu: New York local markets

Regulatory and capital managementKeskitaso

Banks must maintain required capital and comply with supervisory expectations, which can constrain growth or distributions.

KohdistuuCapital ratiosRegulatory compliance
Acquisition integration riskKeskitaso

Branch acquisitions can increase expenses and delay expected customer and funding benefits if integration is slow.

Kohdistuu: East Syracuse branch acquisition

Kysy Clarifolta: Pathfinder Bancorp, Inc.

Kirjanpito

Harkinnanvaraiset erät
Allowance for credit losses

Loan and commitment reserves depend on management estimates of borrower performance and collateral values.

Vaikutus: Can materially affect provision expense and net income

Fair value measurement

Investment securities and certain liabilities rely on market inputs or model-based estimates.

Vaikutus: Can create volatility in reported asset values and equity

Goodwill impairment

Acquired branches or businesses must be tested if expected benefits weaken.

Vaikutus: Could lead to non-cash write-downs

Off-balance-sheet credit commitments

Commitments to extend credit and standby letters of credit require reserve recognition before funding.

Vaikutus: Affects other liabilities and credit expense

Samankaltaisia listattuja yhtiöitä

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

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Päivitetty: 29.4.2026