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Consolidated Statements of Condition (Unaudited) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
ASSETS:    
Cash and due from banks $ 18,606 $ 13,963
Interest-earning deposits 32,862 17,609
Total cash and cash equivalents 51,468 31,572
Available-for-sale securities, at fair value 284,051 269,331
Held-to-maturity securities, at amortized cost (fair value of $149,048 and $151,023, respectively) 155,704 158,683
Marketable equity securities, at fair value 4,401 4,076
Federal Home Loan Bank stock, at cost 2,906 4,590
Loans, net of deferred fees 912,150 918,986
Less: Allowance for credit losses 17,407 17,243
Loans receivable, net 894,743 901,743
Premises and equipment, net 19,233 19,009
Operating lease right-of-use assets 1,356 1,391
Finance lease right-of-use assets 16,478 16,676
Accrued interest receivable 6,748 6,881
Intangible assets, net 5,832 5,989
Goodwill 5,056 5,056
Bank owned life insurance 24,889 24,727
Other assets 22,472 25,150
Total assets 1,495,337 1,474,874
Deposits:    
Interest-bearing 1,061,166 990,805
Noninterest-bearing 203,314 213,719
Total deposits 1,264,480 1,204,524
Short-term borrowings 27,000 61,000
Long-term borrowings 17,628 27,068
Subordinated debt 30,156 30,107
Accrued interest payable 844 546
Operating lease liabilities 1,560 1,591
Finance lease liabilities 16,655 16,745
Other liabilities 12,118 11,810
Total liabilities 1,370,441 1,353,391
Shareholders' equity:    
Additional paid in capital 53,103 52,750
Retained earnings 80,163 77,816
Accumulated other comprehensive loss (8,432) (9,144)
Total Pathfinder Bancorp, Inc. shareholders' equity 124,896 121,483
Total liabilities and shareholders' equity 1,495,337 1,474,874
Voting Common Stock [Member]    
Shareholders' equity:    
Common stock 48 47
Non-Voting Common Stock [Member]    
Shareholders' equity:    
Common stock $ 14 $ 14