{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-118978","form_type":"8-K","ticker":"PBHC","cik":"0001609065","company_name":"Pathfinder Bancorp, Inc.","filed_at":"2024-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.956382+00:00","generated_at":"2026-05-30T08:16:52.922006+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Pathfinder Bancorp Q3 net loss $4.6M; $9M provision drives $8.7M charge-offs","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-118978","json":"https://secwatch.observer/filing/0000950170-24-118978.json","markdown":"https://secwatch.observer/filing/0000950170-24-118978.md","text":"https://secwatch.observer/filing/0000950170-24-118978.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1609065/000095017024118978/0000950170-24-118978-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1609065/000095017024118978/pbhc-20241030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T08:16:52.922006+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}