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Pathfinder Bancorp Inc (PBHC) Annual Income Statement

Annual · GAAP · USD millions
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The data below summarizes Pathfinder Bancorp Inc's income statement results from Dec 31 2021 to Dec 31 2025, enabling period-by-period comparison of operating performance.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases53.56
Interest and Dividend Income, Securities, Operating22.40
Interest Income, Federal Funds Sold0.45
Other Income0.24
Total Interest Income76.65
Interest Expense, Deposits27.99
Interest Expense, Short-term Borrowing1.97
Interest Expense, Debt0.00
Net Interest (-)Expense / Income-32.32
Net Interest Income44.34
Provision for loan losses0.02
Total Net Interest Income27.99
Gain (Loss) on Disposition of Assets for Financial Service Operations0.00
Revenue From Contract With Customer Including Assessed Tax1.54
Bank Owned Life Insurance Income0.83
Gain (Loss) on Disposition of Assets and Other Investments-0.04
Other Non-Interest Income0.16
Total Non-interest Income2.50
Total Revenues30.49
Costs & Expenses
Salaries & employee benefits, SGA19.38
Restructuring, Accretion & impairment charges-0.12
Foreclosed Real Estate Expense0.11
Communications, Occupancy and Information Technology5.31
Professional Fees2.75
Federal Deposit Insurance Corporation Premium Expense0.60
Other Noninterest Expense2.60
Other loss /-income1.80
Total Operating Expenses34.58
Total Costs & Expenses64.54
Income & Taxes
Income /-loss before income taxes-4.09
Income taxes expenses/-benefit-2.16
Income after income taxes-1.93
Net income/-loss of other equity0.00
Income /-loss after income taxes-1.93
Net Income (Loss) Attributable to Noncontrolling Interest0.00
Net Income/-loss-1.93
Non-controlling interests0.00
Income/-loss to shareholder-1.93
Earnings Per Share
Basic EPS (excl. extra items)-0.31
Basic Net EPS-0.31
Basic shares outstanding (Mill. of Units)6.24
Diluted Net EPS-0.31
Diluted average shares (Mill. of Units)6.24
Dividend per share0.40
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About Pathfinder Bancorp Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: March 30, 2026
  • Original filing: pbhc-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.