Pathfinder Bancorp Q2 FY26 net income rises 12.5% to $2.7 million

• Pathfinder Bancorp posted Q2 net income attributable to common shareholders of $2.7 million, or $0.42 per diluted share, up from $2.4 million, or $0.38, in Q1.
• Net interest income rose 1.9% from Q1 to $10.5 million; net interest margin edged down 2 basis points to 3.08%.
• Credit costs stayed favorable with a $155,000 provision benefit, while net charge-offs rose to $1.9 million; allowance for credit losses fell to $26.9 million, or 3.03% of loans.
• Loans slipped 0.7% from March 31 to $889 million; deposits fell 3.1% to $1.17 billion, while borrowings climbed to $133.4 million as it funded AFS securities purchases.
• CEO James Dowd said earnings benefited from deploying underutilized liquidity into the AFS portfolio, with Q3 expected to reflect securities purchases made in late May.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Pathfinder Bancorp Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-326175), on July 30, 2026, and is solely responsible for the information contained therein.