{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-057559","form_type":"8-K","ticker":"PBHC","cik":"0001609065","company_name":"Pathfinder Bancorp, Inc.","filed_at":"2023-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.765378+00:00","generated_at":"2026-06-09T02:39:54.422980+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pathfinder Bancorp Q3 net income $2.2M, down 31% YoY; $3.9M charge-offs on two loans","bullets":["Net income $2.2M ($0.35 EPS) vs $3.2M ($0.52) in Q3 2022; revenue after provision $10.4M, -7.2%.","Net interest income after provision $9.2M, -8.4%; interest expense surged to $7.6M from $2.6M.","Recorded $3.9M in charge-offs on two large CRE/commercial relationships; loans total $11.5M at quarter-end.","Total assets $1.40B; deposits stable at $1.13B (+$2.4M since Dec 2022); equity $113.8M.","Management expects continued margin pressure; guides ~4% annual loan growth for next 12-24 months."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-057559","json":"https://secwatch.observer/filing/0000950170-23-057559.json","markdown":"https://secwatch.observer/filing/0000950170-23-057559.md","text":"https://secwatch.observer/filing/0000950170-23-057559.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1609065/000095017023057559/0000950170-23-057559-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1609065/000095017023057559/pbhc-20231101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T02:39:54.422980+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"72acd2a8fcb9be210f4aa4f38836cb80173c5818","claim":"Pathfinder Bancorp, Inc. reported third quarter 2023 results: revenue $10.4 million, net income $2.2 million, EPS $0.35 per basic and diluted share.","evidence_excerpt":"or $0.52 per basic and diluted share, earned in the third quarter of 2022. The Company's total revenue for the third quarter of 2023, after provision for credit losses, was $10.4 million, a decrease of $811,000, or 7.2%, compared to the same quarter in 2022. The Company's total revenue for the nine months ended September 30, 2023, after provision for credit","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1609065/000095017023057559/0000950170-23-057559-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Revenue","value":"$10.4 million"},{"label":"Net income","value":"$2.2 million"},{"label":"EPS","value":"$0.35 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}