Pathfinder Bancorp Q1 2025 EPS $0.41, NIM expands to 3.31%, NPLs improve

Pathfinder Bancorp, Inc.

Net income attributable to common $3.0M ($0.41 diluted EPS) vs $2.1M ($0.34) in Q1 2024.
Net interest margin 3.31% vs 2.75% YoY; net interest income $11.4M, up $2.0M YoY.
Total deposits $1.26B (+10.3% YoY); core deposits 78.31% of total vs 69.17% a year ago.
Nonperforming loans improved to $13.2M (1.45% of loans) from $19.7M (2.20%) YoY.
Efficiency ratio 66.84% vs 68.29% YoY; dividend $0.10/share declared payable May 9, 2025.

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