---
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"
generated_at: "2026-05-30T08:16:52.922006+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-118978
- JSON: https://secwatch.observer/filing/0000950170-24-118978.json
- Plain text: https://secwatch.observer/filing/0000950170-24-118978.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.