Pathfinder Bancorp Q3 net loss $4.6M; $9M provision drives $8.7M charge-offs

Pathfinder Bancorp, Inc.

2025-Q3 EPS reported $0.41

Net loss $4.6M ($0.75/sh) vs Q2 income $2.0M ($0.32/sh); $9.0M provision from comprehensive loan review.
Net charge-offs $8.7M; nonperforming loans cut 34% to $16.2M (1.75% of total loans).
Net interest income $11.7M (+23.8% linked qtr); NIM 3.34% (+56bps); includes $887k catch-up interest.
Deposits $1.20B (+8.6% q/q) with $186M from branch acquisition; loan-to-deposit 77.1%.
Sold FitzGibbons Agency for ~$2.0M; Q4 gain expected. Dividend $0.10/sh payable Nov 8.

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