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AI brief of an SEC Form 8-K · Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Q2 2026 net income rises to $2.7 million, or $0.42 per diluted share

Positive Impact 3 of 5 earnings Written later

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.

Key points

  • 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.

The filing

CompanyPathfinder Bancorp, Inc. (PBHC)
Form8-K, current report
Filed with the SECJul 30, 2026, 4:20 PM ET
Accession number0001193125-26-326175

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:38 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 30, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.