secwatch.observer — SEC 8-K summary
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Issuer:     Pathfinder Bancorp, Inc. (PBHC)
CIK:        0001609065
Form:       8-K
Filed at:   2025-04-30T23:59:59+00:00
Accession:  0000950170-25-061048
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1609065/000095017025061048/0000950170-25-061048-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1609065/000095017025061048/pbhc-20250331.htm
  HTML page:      https://secwatch.observer/filing/0000950170-25-061048

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer