Every material Form 8-K Pathfinder Bancorp, Inc. has filed with the SEC since July 30, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Pathfinder Bancorp reported third quarter 2026 net income of $2.1 million, or $0.32 per diluted share, down from $2.7 million ($0.42) in the second quarter but up from $626,000 ($0.10) a year earlier. Net interest income fell 7.7% from the year-ago quarter, while provision expense dropped to $231,000 from $3.5 million, and the Board declared a $0.10 quarterly dividend.
Net income was $2.1 million, or $0.32 per diluted share, versus $2.7 million ($0.42) in Q2 2026 and $626,000 ($0.10) in Q3 2025.
Net interest income was $10.7 million, up $175,000 from Q2 2026 but down $889,000 from $11.6 million in Q3 2025; net interest margin was 3.07% versus 3.34% a year earlier.
Provision expense was $231,000 versus $3.5 million in Q3 2025; net charge-offs were $4.3 million, fully covered by previously established specific reserves.
Quarterly cash dividend of $0.10 per share is payable November 6, 2026, to shareholders registered by October 16, 2026.
Pathfinder Bancorp, Inc. declared a quarterly cash dividend of $0.10 per voting and non-voting common share, related to the fiscal quarter ending September 30, 2026. Shareholders of record on October 16, 2026 will receive the payment on November 6, 2026.
Dividend amount: $0.10 per share on voting and non-voting common stock
Record date: October 16, 2026
Payment date: November 6, 2026
Dividend relates to the third quarter 2026 fiscal quarter
Pathfinder Bancorp reported second quarter 2026 net income attributable to common shareholders of $2.7 million, or $0.42 per diluted share, up from $2.4 million, or $0.38, in the first quarter of 2026 and $31,000 in the second quarter of 2025. Net interest income rose from the first quarter, and the company recorded a $155,000 provision benefit, while net charge-offs increased to $1.9 million. The board also declared a $0.10 per share quarterly cash dividend, payable August 7, 2026.
Net income attributable to common shareholders was $2.7 million, or $0.42 per diluted share, versus $2.4 million, or $0.38, in Q1 2026 and $31,000, or less than $0.01, in Q2 2025.
Net interest income was $10.5 million, up from $10.3 million in Q1 2026 but down from $10.8 million in Q2 2025; net interest margin was 3.08%, compared with 3.10% in Q1 2026.
Net charge-offs were $1.9 million, including a $1.6 million charge-off of one commercial loan, compared with $284,000 in Q1 2026; the allowance for credit losses was $26.9 million, or 3.03% of total loans.
Quarterly cash dividend of $0.10 per share is payable August 7, 2026, to shareholders registered by July 17, 2026.
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