Pathfinder Bancorp, Inc. — Third Quarter 2026 Earnings Summary

Pathfinder Bancorp, Inc. reported third-quarter 2026 net income of $2.1 million, or $0.32 per diluted share, reflecting a provision expense of $231,000 and net charge-offs of $4.3 million. Total loans decreased to $873.0 million while deposits fell to $1.16 billion as the company continued its strategy of runoff for higher-cost brokered deposits. The bank's net interest margin stood at 3.07%, and the efficiency ratio was 78.13% for the quarter. Additionally, the board declared a quarterly cash dividend of $0.10 per share payable on November 6, 2026.