This page provides access to U.S. Securities and Exchange Commission filings for Pathfinder Bancorp, Inc. (NASDAQ: PBHC), the holding company for Pathfinder Bank. The company submits current reports on Form 8-K to furnish earnings press releases, dividend declarations, and other material events, and also files annual and quarterly reports that detail its financial condition and results of operations.
Key filings for Pathfinder Bancorp, Inc. include annual reports on Form 10-K and quarterly reports on Form 10-Q, which describe the composition of the loan portfolio, deposit base, investment securities, asset quality metrics, and capital levels. These reports also discuss risk factors, management’s analysis of net interest income and net interest margin, and the impact of credit loss provisions on profitability.
Current reports on Form 8-K, examples of which are referenced in the company’s recent history, are used to disclose quarterly financial results and Board-approved cash dividends on voting and non-voting common stock and on a notional share amount for an issued warrant. These filings typically attach the underlying press releases as exhibits and indicate record dates and payment dates for dividends or summarize other significant events.
On Stock Titan, Pathfinder Bancorp’s SEC filings are updated as they are made available through the EDGAR system. AI-powered tools can help interpret lengthy documents by summarizing key sections, highlighting movements in asset quality, explaining changes in net interest margin, and pointing out items such as nonperforming loan activity or notable gains and losses. Users can also review insider-related disclosures, such as Form 4 filings, and proxy materials that address governance and executive compensation.
Pathfinder Bancorp, Inc. entered into a new amendment of its Registration Rights Agreement with Castle Creek Capital Partners VII, L.P. on May 4, 2026. The change gives the company until May 8, 2027 to file a resale registration statement covering securities sold to Castle Creek in a 2019 private placement.
This Fourth Amendment follows prior extensions that had most recently required the filing by May 8, 2026. No financial statements, pro forma information, or shell company transactions are included with this update.
Pathfinder Bancorp, Inc. director Melanie Littlejohn exercised stock options to acquire 8,787 shares of Common Stock at $11.35 per share and 7,913 shares at $13.4805 per share on May 4, 2026. Following these transactions, she holds 12,302 shares of Pathfinder Bancorp common stock directly.
Pathfinder Bancorp, Inc. Senior Vice President William D. O'Brien exercised stock options to acquire 7,908 shares of common stock at $11.35 per share. Following the exercise, he directly holds 31,420 common shares, plus indirect holdings of 3,255 shares via a 401K and 9,243 shares via an ESOP. He also retains 1,500 stock options with a $10.37 exercise price expiring on October 28, 2030.
Pathfinder Bancorp, Inc. President and CEO James A. Dowd exercised stock options and increased his direct common stock holdings. He exercised options covering 2,816 shares of common stock at an exercise price of $11.35 per share, converting them into directly held shares.
Following the transaction, he directly owns 71,520 shares of common stock. The filing also shows updated indirect holdings of 18,052 shares held through a 401K plan and 21,193 shares held through an ESOP, reflecting retirement and employee benefit-related ownership.
Pathfinder Bancorp, Inc. reported first quarter 2026 net income attributable to common shareholders of $2.4 million, or $0.38 per diluted share, compared with a $5.6 million loss in the prior quarter and $3.0 million of net income a year earlier.
Net interest income was $10.3 million with a net interest margin of 3.10%, slightly above the prior quarter but below 3.31% a year ago. Loans were $895.2 million and deposits $1.21 billion, with core deposits rising to 82.01% of total deposits. Asset quality remains pressured, as nonperforming loans increased to 4.26% of total loans, while the allowance for credit losses was $29.0 million, or 3.24% of loans. The company recorded a small credit loss provision benefit of $168,000 and declared a quarterly dividend of $0.10 per share.
Pathfinder Bancorp, Inc. is holding its Annual Meeting on June 4, 2026 in Oswego, New York to elect four directors and ratify Bonadio & Co., LLP as independent auditor for 2026.
Shareholders of record as of April 10, 2026, holding 4,876,213 shares of voting common stock in total, are entitled to one vote per share. The board highlights its independent chair structure, committee oversight of risk, and use of NASDAQ independence standards. The proxy describes significant insider and institutional ownership, with directors and executives owning 15.7% of voting stock and several 5%+ institutional holders.
The filing details executive pay philosophy, including a mix of salary, performance-based cash bonuses, and equity. In 2025, CEO James A. Dowd received total compensation of $1,820,456, including a large restricted stock unit grant under the 2024 Equity Incentive Plan intended to align pay with long‑term performance. The proxy also discloses related‑party mortgage loans on employee terms, a long‑term lease with an entity affiliated with a director, and a brokerage commission paid to a director‑owned firm, all described as made on permitted or customary terms.
Pathfinder Bancorp, Inc. First Vice President Regina E. Bass reported her indirect holdings of the company’s common stock. Following an April 2026 allocation of ESOP shares, she now holds 717 shares indirectly through the employee stock ownership plan.
Pathfinder Bancorp, Inc. Senior Vice President Ronald G. Tascarella reported his current share and option holdings in company stock as of April 8, 2026. The filing shows no open-market purchases or sales, only updated ownership positions.
He directly holds 16,771 shares of common stock and indirectly holds 4,392 shares through an ESOP allocation for April 2026 and 15,352 shares through a 401(k) plan. He also has stock options covering 3,000 shares at $9.76 per share expiring in September 2030 and 1,500 shares at $10.37 per share expiring in October 2030.