{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-061048","form_type":"8-K","ticker":"PBHC","cik":"0001609065","company_name":"Pathfinder Bancorp, Inc.","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.003141+00:00","generated_at":"2026-05-23T02:22:52.005037+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Pathfinder Bancorp Q1 2025 EPS $0.41, NIM expands to 3.31%, NPLs improve","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-061048","json":"https://secwatch.observer/filing/0000950170-25-061048.json","markdown":"https://secwatch.observer/filing/0000950170-25-061048.md","text":"https://secwatch.observer/filing/0000950170-25-061048.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1609065/000095017025061048/0000950170-25-061048-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1609065/000095017025061048/pbhc-20250331.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:22:52.005037+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"}