---
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"
generated_at: "2026-05-23T02:22:52.005037+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1609065/000095017025061048/0000950170-25-061048-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1609065/000095017025061048/pbhc-20250331.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-061048
- JSON: https://secwatch.observer/filing/0000950170-25-061048.json
- Plain text: https://secwatch.observer/filing/0000950170-25-061048.txt

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