PBHC Arquivamentos da SEC - Pathfinder Bancorp, Inc.- Relatório Anual, Declaração de Procuração, Prospecto

Estatísticas Básicas

LEI	549300OE0R516BNKW235
CIK	1609065

SEC Filings

All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Pathfinder Bancorp, Inc.

SEC Filings (Chronological Order)

Esta página fornece uma lista completa e cronológica de Arquivamentos da SEC, excluindo os arquivamentos de propriedade que fornecemos em outro lugar.

June 4, 2026	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 4, 2026 (Exact name of Regis UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 4, 2026 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
June 4, 2026	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 4, 2026 (Exact name of Regis UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 4, 2026 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
June 4, 2026	8-K	COURTESY COPY OF PBHC_2026_8-K_SHAREHOLDE ANNUAL MEETING OF SHAREHOLDERS June 4, 2026 \| NASDAQ:PBHC 2026 William A. Barclay Chairman of the Board James A. “Jim” Dowd President & CEO Justin K. Bigham EVP & CFO 1WELCOMING REMARKS William A. Barclay \| Chairman of the Board 2Cautionary Note Regarding Forward-Looking Statements Non-GAAP Financial Measures 3Agenda 2026 Annual Meeting of Shareholders  Introduction of Directors, Management and G
June 4, 2026	EX-99.1	ANNUAL MEETING OF SHAREHOLDERS June 4, 2026 \| NASDAQ:PBHC 2026 William A. Barclay Chairman of the Board James A. “Jim” Dowd President & CEO Justin K. Bigham EVP & CFO ANNUAL MEETING OF SHAREHOLDERS June 4, 2026 \| NASDAQ:PBHC 2026 William A. Barclay Chairman of the Board James A. “Jim” Dowd President & CEO Justin K. Bigham EVP & CFO WELCOMING REMARKS William A. Barclay \| Chairman of the Board Cautionary Note Regarding Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933
May 15, 2026	10-Q	PART I - FINANCIAL INFORMATION Item 1 – Consolidated Financial Statements Pathfinder Bancorp, Inc. Consolidated Statements of Condition Pathfinder Bancorp, Inc. Consolidated Statements of Income (Unaudited) Note 1: Basis of Presentation Note 2: New UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Ma
May 7, 2026	EX-10.1	FOURTH AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT EXHIBIT 10.1 FOURTH AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT THIS FOURTH AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT, dated as of May 4, 2026 (the “Amendment”), by and between Pathfinder Bancorp, Inc., a Maryland corporation (the “Company”) and Castle Creek Capital Partners VII, LP (“Castle Creek”). Each of the capitalized terms contained in this Amendment, but not specifically defined in
May 7, 2026	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 4, 2026 PATHFINDER BANCORP, I UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 4, 2026 PATHFINDER BANCORP, INC. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incor
April 29, 2026	EX-99.1	Pathfinder Bancorp, Inc. Announces Financial Results for the First Quarter of 2026 Pathfinder earns $0.38 per share in the first quarter of 2026 while growing core deposits and commercial loans, expanding net interest margin from the fourth quarter o Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin K. Bigham, Executive Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Financial Results for the First Quarter of 2026 Pathfinder earns $0.38 per share in the first quarter of 2026 while growing core deposits and commercial loans, expanding net interest margin from the fourth quarter of 2025, a
April 29, 2026	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2026 (Exact name of Reg UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2026 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
April 22, 2026	ARS	ARS 202 5 A N N UAL REP O RTOur Mission We exist to be the local bank our communities trust – building lasting relationships and strengthening the people, businesses, and neighborhoods we call home.
April 22, 2026	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin
March 30, 2026	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 30, 2026 (Exact name of Reg UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 30, 2026 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
March 30, 2026	10-K	ITEM 1B: UNRESOLVED STAFF COMMENTS ITEM 1C: CYBERSECURITY Provision for Credit Losses We establish a provision for credit losses, which is recorded to operations, at a level management believes is appropriate to absorb lifetime credit losses in the l UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-36695 (Exact name of registrant as
March 30, 2026	EX-21	State of Incorporation EXHIBIT 21: SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Pathfinder Bank New York (direct) Pathfinder Statutory Trust II Delaware (direct) Whispering Oaks Development Corp. New York (indirect) Pathfinder Risk Management Company Inc. New York (indirect)
March 30, 2026	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (March 30, 2026) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's
February 27, 2026	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 27, 2026 (Exact name of UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 27, 2026 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
January 29, 2026	EX-99.1	Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2025 Pathfinder enters 2026 with improved earnings outlook following a proactive comprehensive commercial loan review and corresponding risk-based reserve build Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin K. Bigham, Executive Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2025 Pathfinder enters 2026 with improved earnings outlook following a proactive comprehensive commercial loan review and corresponding risk-based reserve build OSWEGO, N.Y.
January 29, 2026	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 29, 2026 (Exact name of R UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 29, 2026 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
December 22, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 22, 2025 (Exact name of UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 22, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
December 22, 2025	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (December 22, 2025) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Compan
November 14, 2025	10-Q	PART I - FINANCIAL INFORMATION Item 1 – Consolidated Financial Statements Pathfinder Bancorp, Inc. Consolidated Statements of Condition Pathfinder Bancorp, Inc. Consolidated Statements of Income (Unaudited) Note 1: Basis of Presentation Note 2: New UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter
October 30, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2025 (Exact name of R UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
October 30, 2025	EX-99.1	Pathfinder Bancorp, Inc. Announces Third Quarter 2025 Results Results reflect ongoing efforts to mitigate credit risk and enhance asset quality metrics for the long term, as well as the continued growth of Pathfinder’s core deposit franchise, deliber Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin K. Bigham, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Third Quarter 2025 Results Results reflect ongoing efforts to mitigate credit risk and enhance asset quality metrics for the long term, as well as the continued growth of Pathfinder’s core deposit franchise, deliberate liabilit
September 29, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 29, 2025 (Exact name of UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 29, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organi
September 29, 2025	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (September 29, 2025) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Compa
August 14, 2025	10-Q	PART I - FINANCIAL INFORMATION Item 1 – Consolidated Financial Statements Pathfinder Bancorp, Inc. Consolidated Statements of Condition Pathfinder Bancorp, Inc. Consolidated Statements of Income (Unaudited) Note 1: Basis of Presentation Note 2: New UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Mar
July 30, 2025	EX-99.1	Pathfinder Bancorp, Inc. Announces Second Quarter 2025 Results Results reflect July 2025 sale of $9.3 million in nonperforming and classified loans, undertaken as part of the Company’s ongoing efforts to mitigate credit risk and enhance asset quality Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin K. Bigham, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Second Quarter 2025 Results Results reflect July 2025 sale of $9.3 million in nonperforming and classified loans, undertaken as part of the Company’s ongoing efforts to mitigate credit risk and enhance asset quality metrics for
July 30, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2025 (Exact name of Regi UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
June 30, 2025	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (June 30, 2025) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's
June 30, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2025 (Exact name of Regi UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
June 25, 2025	11-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2024 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SEC
June 5, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 5, 2025 (Exact name of Regis UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 5, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
June 5, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 5, 2025 (Exact name of Regis UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 5, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
June 5, 2025	EX-99.1	2025Annual Meeting of Shareholders Presentation June 5, 2025 \| NASDAQ:PBHC William A. Barclay Chairman of the Board James A. “Jim” Dowd President & CEO Justin K. Bigham Senior VP & CFO 2025 Annual Meeting of Shareholders Presentation June 5, 2025 \| NASDAQ:PBHC William A.
May 15, 2025	10-Q	PART I - FINANCIAL INFORMATION Item 1 – Consolidated Financial Statements Pathfinder Bancorp, Inc. Consolidated Statements of Condition Pathfinder Bancorp, Inc. Consolidated Statements of Income (Unaudited) Note 1: Basis of Presentation Note 2: New UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Ma
April 30, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 31, 2025 (Exact name of Reg UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 31, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
April 30, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2025 Pathfinder Bancorp UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 26, 2025 Pathfinder Bancorp, Inc. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of In
April 30, 2025	EX-10.1	Third Amendment to the Registration Rights Agreement THIRD AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT THIS THIRD AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT, dated as of April 26, 2025 (the “Amendment”), by and between Pathfinder Bancorp, Inc.
April 30, 2025	EX-99.1	Pathfinder Bancorp, Inc. Announces Financial Results for First Quarter 2025 Pathfinder Bank’s parent company earned $0.41 per diluted share on improving operating efficiency and growth in net interest income, net interest margin, core deposits and co Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin K. Bigham, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Financial Results for First Quarter 2025 Pathfinder Bank’s parent company earned $0.41 per diluted share on improving operating efficiency and growth in net interest income, net interest margin, core deposits and commercial loa
April 23, 2025	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin
April 23, 2025	ARS	ARS 2024 ANNUAL REPORTOUR VISION T o be the Local Bank Our Community Trusts. LOCAL We have proudly served Central New Y ork for over 165 years. Like our customers, we live, work, and play here. That fact not only allows us to know our customers better, but gives our customers access to decision-makers right here in Central New Y ork. COMMUNITY Our success is intertwined with the success of the communi
March 31, 2025	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (March 31, 2025) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's
March 31, 2025	10-K	$20 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K $20 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-36695 PATHFINDER BANCORP, INC.
March 31, 2025	EX-21	Subsidiaries of Registrant EXHIBIT 21: SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Pathfinder Bank New York (direct) Pathfinder Statutory Trust II Delaware (direct) Whispering Oaks Development Corp. New York (indirect) Pathfinder Risk Management Company Inc. New York (indirect)
March 31, 2025	EX-19	Insider Trading Policy EXHIBIT 19: INSIDER TRADING POLICY Insider Trading Policy Federal and state securities laws prohibit the purchase or sale of a company’s securities by persons who are aware of material information about that company that is not generally known or available to the public.
March 31, 2025	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 31, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
March 4, 2025	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 4, 2025 (Exact name of Regi UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 4, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
January 31, 2025	EX-99.1	Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2024 Fourth quarter results include EPS of $0.69, deposit growth, commercial loan growth, a gain on the sale of its insurance agency, and strong contributions from Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin K. Bigham, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2024 Fourth quarter results include EPS of $0.69, deposit growth, commercial loan growth, a gain on the sale of its insurance agency, and strong contributions from new and esta
January 31, 2025	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2025 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
December 23, 2024	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (December 23, 2024) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Compan
December 23, 2024	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 23, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
November 14, 2024	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter
October 30, 2024	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
October 30, 2024	EX-99.1	Pathfinder Bancorp, Inc. Announces Third Quarter 2024 Results Results reflect branch-acquisition-related expenses, as well as provision expense resulting from a comprehensive loan portfolio review that significantly reduced nonperformers, as Pathfind Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin K. Bigham, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Third Quarter 2024 Results Results reflect branch-acquisition-related expenses, as well as provision expense resulting from a comprehensive loan portfolio review that significantly reduced nonperformers, as Pathfinder positions
September 30, 2024	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (September 30, 2024) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Compa
September 30, 2024	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 30, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organi
September 26, 2024	EX-99.1	Investor/Media Contacts EXHIBIT 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin A. Bigham, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Retirement of EVP, Chief Banking Officer Ronald Tascarella, Serbun Named SVP, Chief Credit Officer OSWEGO, N.Y., September 26, 2024 - Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that, after 18 years w
September 26, 2024	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 20, 2024 Pathfinder Bancorp, Inc. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction o
September 9, 2024	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 4, 2024 PATHFINDER BANCORP, INC. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of
September 9, 2024	EX-10.2	Two-Year Change in Control Agreement between Pathfinder Bancorp, Inc., Pathfinder Bank and Justin Bigham EXHIBIT 10.2 TWO YEAR CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (the “Agreement”) is made effective as of the 4th day of September, 2024 (the “Effective Date”), by and between Pathfinder Bancorp, Inc., a Maryland corporation (the “Company”), Pathfinder Bank, a wholly-owned subsidiary of the Company (the “Bank”), and Justin Bigham (the “Executive”). WITNESSETH WHEREAS, Executive
September 9, 2024	EX-10.1	Employment Agreement between Pathfinder Bank and James A. Dowd EXHIBIT 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made and entered into, effective as of the 4th day of September, 2024 (the “Effective Date”), by and between Pathfinder Bank, a New York chartered commercial bank (the “Bank”), and James A. Dowd (the “Executive”). Any reference to the “Company” shall mean Pathfinder Bancorp, Inc., the holding company of the Bank. The
August 14, 2024	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Mar
July 29, 2024	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
July 29, 2024	EX-99.1	Pathfinder Bancorp, Inc. Announces Second Quarter 2024 Net Income of $2.0 Million Net interest margin expanded for the second consecutive quarter, and low-cost deposits acquired with the recently completed East Syracuse branch purchase are expected t Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Justin K. Bigham, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Second Quarter 2024 Net Income of $2.0 Million Net interest margin expanded for the second consecutive quarter, and low-cost deposits acquired with the recently completed East Syracuse branch purchase are expected to benefit to
July 22, 2024	EX-99.1	Pathfinder Bancorp, Inc. EXHIBIT 99.1 FOR IMMEDIATE RELEASE: Pathfinder Bancorp, Inc. Contact: James A. Dowd President and CEO (315) 207-8002 [email protected] OSWEGO, New York (July 22, 2024) – Pathfinder Bancorp, Inc. (NASDAQ: PBHC), the holding company for Pathfinder Bank (“Pathfinder”), announced today that Pathfinder has completed the previously announced purchase and assumption of the East Syracuse, New York
July 22, 2024	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 22, 2024 (Exact name of Registrant as specified in its charter) Maryland 001-36695 38-3941859 (State or other jurisdiction of incorporation) (Commission File Number) (I.R.S. Empl
July 1, 2024	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 1, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
July 1, 2024	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (July 1, 2024) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's v
June 27, 2024	11-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2023 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SEC
June 14, 2024	EX-10.4	Form of Non-Qualified Stock Option Award Agreement EXHIBIT 10.4 [FORM OF] Non-Qualified Stock Option Award Agreement Granted by Pathfinder Bancorp, Inc. under the Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan This stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2024 Equity Incentive Plan (the “Plan”) of Pathfinder Bancorp, Inc. (the “Company”), which are incorporated herein by
June 14, 2024	EX-FILING FEES	Filing Fee Table EXHIBIT 107 Calculation of Filing Fee Tables Form S-8 (Form Type) Pathfinder Bancorp, Inc.
June 14, 2024	S-8	As filed with the Securities and Exchange Commission on June 14, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 Pathfinder Bancorp, Inc. (Exact Name of Registran Registration No. 333- As filed with the Securities and Exchange Commission on June 14, 2024 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Pathfinder Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 38-3941859 (State or Other Jurisdiction of (I.R.S. Employer Identification No.) In
June 14, 2024	EX-10.5	Form of Performance Restricted Stock Unit Award Agreement EXHIBIT 10.5 [FORM OF] Performance Restricted Stock Unit Award Granted by Pathfinder Bancorp, Inc. under the Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan This performance restricted stock unit agreement (“Agreement”) is and will be subject in every respect to the provisions of the 2024 Equity Incentive Plan (the “Plan”) of Pathfinder Bancorp, Inc. (the “Company”) which are incorporated here
June 14, 2024	EX-10.3	Form of Incentive Stock Option Award Agreement EXHIBIT 10.3 [FORM OF] Incentive Stock Option Award Agreement Granted by Pathfinder Bancorp, Inc. under the Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan This stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2024 Equity Incentive Plan (the “Plan”) of Pathfinder Bancorp, Inc. (the “Company”), which are incorporated herein by ref
June 14, 2024	EX-10.2	Form of Restricted Stock Award Agreement EXHIBIT 10.2 [FORM OF] Restricted stock award agreement Granted by Pathfinder Bancorp, Inc. under the Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan This restricted stock agreement (“Restricted Stock Award” or “Agreement”) is and will be subject in every respect to the provisions of the 2024 Equity Incentive Plan (the “Plan”) of Pathfinder Bancorp, Inc. (the “Company”) which are incorporated
June 13, 2024	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 13, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
June 13, 2024	EX-99.1	Pathfinder Bancorp, Inc. Announces Receipt of Regulatory Approvals for Acquisition of Berkshire Bank East Syracuse Branch EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Announces Receipt of Regulatory Approvals for Acquisition of Berkshire Bank East Syracuse Branch OSWEGO, New York (June 13, 2024) – Pathfinder Bancorp, Inc. (“Pathfinder” or “Company”) (NASDAQ: PBHC), announced that its banking subsidiary, Pathfinder Bank (“Bank”), has received the require
June 7, 2024	EX-10.1	Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan (incorporated by reference to Appendix A to the proxy statement for the Annual Meeting of Shareholders filed with the Securities and Exchange Commission on April 22, 2024 (file no. 001-36695)) PATHFINDER BANCORP, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 — GENERAL Section 1.1. Purpose, Effective Date and Term. The purpose of the Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan (the “Plan”) is to promote the long-term financial success of Pathfinder Bancorp, Inc. (the “Company”), and its Subsidiaries, including Pathfinder Bank (the “Bank”), by providing a means to attract, retain and
June 7, 2024	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 6, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
June 7, 2024	EX-10.1	EX-10.1 PATHFINDER BANCORP, INC. 2024 EQUITY INCENTIVE PLAN ARTICLE 1 — GENERAL Section 1.1. Purpose, Effective Date and Term. The purpose of the Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan (the “Plan”) is to promote the long-term financial success of Pathfinder Bancorp, Inc. (the “Company”), and its Subsidiaries, including Pathfinder Bank (the “Bank”), by providing a means to attract, retain and
June 6, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 6, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
June 6, 2024	EX-99.1	2024 Annual Meeting of Shareholders Presentation Chris R. Burritt Chairman of the Board James A. “Jim” Dowd President & CEO Walter F. Rusnak Senior VP & CFO June 6, 2024 \| NASDAQ:PBHC 2024 Annual Meeting of Shareholders Presentation Chris R. Burritt Chairman of the Board James A. “Jim” Dowd President & CEO Walter F. Rusnak Senior VP & CFO June 6, 2024 \| NASDAQ:PBHC Welcoming Remarks Chris R. Burritt Chairman of the Board Forward Looking Statements This presentation may contain the words or phrases “will likely result”, “are expected to”, “will continue”, “is anticipated”, “esti
May 15, 2024	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Ma
May 8, 2024	EX-10.2	Retirement and Consulting Agreement between Pathfinder Bancorp, Inc., Pathfinder Bank and Walter F. Rusnak EXHIBIT 10.2 RETIREMENT AND CONSULTING AGREEMENT THIS RETIREMENT AND CONSULTING AGREEMENT, dated as of May 7, 2024 (this “Agreement”), is made and entered into by and between Pathfinder Bancorp, Inc. (the “Company”), Pathfinder Bank, a wholly-owned subsidiary of the Company (the “Bank”), and Walter F. Rusnak (“Executive”). WHEREAS, Executive is employed by the Company and the Bank as Senior Vice P
May 8, 2024	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Entry into a Material Definitive Agreement, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2024 PATHFINDER BANCORP, INC. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incor
May 8, 2024	EX-10.1	Second Amendment to the Registration Rights Agreement EXHIBIT 10.1 SECOND AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT THIS SECOND AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT, dated as of May 6, 2024 (the “Amendment”), by and between Pathfinder Bancorp, Inc., a Maryland corporation (the “Company”) and Castle Creek Capital Partners VII, LP (“Castle Creek”). Each of the capitalized terms contained in this Amendment, but not specifically defined in
May 8, 2024	EX-99.1	Investor/Media Contacts EXHIBIT 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces the Retirement of Chief Financial Officer and Names Successor OSWEGO, N.Y., May 8, 2024 - Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that Walter F. Rusnak, CPA, 70, Senior Vice President and Chief Fi
April 29, 2024	EX-99.1	Pathfinder Bancorp, Inc. Announces First Quarter 2024 Net Income of $2.1 Million Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces First Quarter 2024 Net Income of $2.1 Million Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges OSWEGO, N.Y., April. 29, 2024 (GLOBE NEWSWIRE) - Pathfinder Bancorp, Inc. (“Compan
April 29, 2024	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
April 23, 2024	ARS	ARS ANNU AL REPOR T 3 3LOCAL We have proudly served Central New Y ork for over 150 years.
April 22, 2024	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin
April 1, 2024	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (April 1, 2024) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's
April 1, 2024	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 1, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
March 22, 2024	10-K	$20 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K $20 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-36695 PATHFINDER BANCORP, INC.
March 22, 2024	EX-97	Policy Relating to Recovery of Erroneously Awarded Compensation PATHFINDER BANCORP, INC. CLAWBACK POLICY The Board of Directors (the “Board”) of Pathfinder Bancorp, Inc. (the “Company”) believes that it is in the best interests of the Company and its shareholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of certain incentive compensation in the event of an accounting restatement. The Company has adopted this Policy as a sup
March 22, 2024	EX-21	Subsidiaries of Registrant EXHIBIT 21: SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Pathfinder Bank New York (direct) Pathfinder Statutory Trust II Delaware (direct) Whispering Oaks Development Corp.
March 5, 2024	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 4, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
March 5, 2024	EX-99.1	East Syracuse Branch Acquisition March 4, 2024 Copyright © 2024 Pathfinder Bancorp, Inc. East Syracuse Branch Acquisition March 4, 2024 Copyright © 2024 Pathfinder Bancorp, Inc.
March 4, 2024	8-K	Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 4, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
March 4, 2024	EX-99.1	Pathfinder Bancorp Announces Agreement to Acquire East Syracuse Branch EXHIBIT 99.1 FOR IMMEDIATE RELEASE: Pathfinder Bancorp, Inc. Contact: James A. Dowd President & CEO 315-207-8002 [email protected] Pathfinder Bancorp Announces Agreement to Acquire East Syracuse Branch OSWEGO, New York (March 4, 2024) – Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) has announced the signing of a branch purchase and assumption agreement pursuant to which Pathfinder
March 4, 2024	EX-1.1	Purchase and Assumption Agreement, dated as of March 4, 2024, by and between Berkshire Bank and Pathfinder Bank. Execution Version PURCHASE AND ASSUMPTION AGREEMENT dated as of March 4, 2024 Between BERKSHIRE BANK And PATHFINDER BANK TABLE OF CONTENTS Page ARTICLE 1 CERTAIN DEFINITIONS 1.
February 14, 2024	SC 13G	PBHC / Pathfinder Bancorp, Inc. / ALLIANCEBERNSTEIN L.P. - SEC SCHEDULE 13G Passive Investment SC 13G 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Pathfinder Bancorp Inc (Name of Issuer) Common Stock (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to
February 12, 2024	SC 13G/A	PBHC / Pathfinder Bancorp, Inc. / Pathfinder Bancorp, Inc. - PATHFINDER BANCORP, INC. SCHEDULE 13G (AMENDMENT 10) DECEMBER 31, 2023 Passive Investment SC 13G/A 1 sc13g-a2023.htm PATHFINDER BANCORP, INC. SCHEDULE 13G (AMENDMENT 10) DECEMBER 31, 2023 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 10)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2023
February 9, 2024	SC 13G/A	PBHC / Pathfinder Bancorp, Inc. / Minerva Advisors LLC - MINERVA 13GA6 PATHFINDER Passive Investment sc13g UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 6)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $.01 (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule
February 1, 2024	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2024 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
February 1, 2024	EX-99.1	Pathfinder Bancorp, Inc. Announces Fourth Quarter 2023 Net Income of $2.5 Million and Full Year Net Income of $9.3 Million Highlights Include Effective Expense Management and Resilient Operational Performance Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Fourth Quarter 2023 Net Income of $2.5 Million and Full Year Net Income of $9.3 Million Highlights Include Effective Expense Management and Resilient Operational Performance OSWEGO, N.Y., Feb 1, 2024 (GLOBE NEWSWIRE) - Pathfind
December 26, 2023	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 26, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
December 26, 2023	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (December 26, 2023) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.09 per share on the Compan
November 14, 2023	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter
November 6, 2023	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2023 PATHFINDER BANCORP, INC. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of
November 6, 2023	EX-99.1	Butkowski Named Senior Vice President, Chief Operating Officer EXHIBIT 99.1 Contact: James A. Dowd, President & Chief Executive Officer, (315) 343-0057 For Immediate Release: Butkowski Named Senior Vice President, Chief Operating Officer Oswego, New York (11/6/2023) – Robert G. Butkowski has been named Senior Vice President, Chief Operating Officer at Pathfinder Bank and Pathfinder Bancorp, according to James A. Dowd, President and CEO. Butkowski’s primary re
November 1, 2023	EX-99.1	Pathfinder Bancorp, Inc. Announces Third Quarter 2023 Net Income of $2.2 Million Highlights Include Continued Deposit Base and Net Interest Margin Stability Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Third Quarter 2023 Net Income of $2.2 Million Highlights Include Continued Deposit Base and Net Interest Margin Stability OSWEGO, N.Y., November 1, 2023 (GLOBE NEWSWIRE) - Pathfinder Bancorp, Inc. ("Company") (NASDAQ: PBHC), th
November 1, 2023	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 1, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
October 2, 2023	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (October 2, 2023) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.09 per share on the Company'
October 2, 2023	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 2, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizat
August 9, 2023	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Mar
August 1, 2023	EX-99.1	Pathfinder Bancorp, Inc. Announces Second Quarter 2023 Net Income of $2.0 Million Highlights Include Deposit Base Retention, Effective Net Interest Margin and Operating Expense Management Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Second Quarter 2023 Net Income of $2.0 Million Highlights Include Deposit Base Retention, Effective Net Interest Margin and Operating Expense Management OSWEGO, N.Y., August 1, 2023 (GLOBE NEWSWIRE) - Pathfinder Bancorp, Inc. (
August 1, 2023	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 1, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
July 3, 2023	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (July 3, 2023) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.09 per share on the Company's v
July 3, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 3, 2023 (Exact name of Regis UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 3, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
June 30, 2023	SC 13D/A	PBHC / Pathfinder Bancorp, Inc. / Castle Creek Capital Partners VII, LP - SC 13D/A Activist Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2)* PATHFINDER BANCORP, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 70319R109 (CUSIP Number) Castle Creek Capital Partners VII, LP 11682 El Camino Real Suite 320 San Diego, CA 92130 858-756-8300 Copy to: John
June 30, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2023 PATHFINDER BANCORP, UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2023 PATHFINDER BANCORP, INC. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Inc
June 29, 2023	11-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2022 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SEC
June 1, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2023 (Exact name of Regis UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
June 1, 2023	EX-99.1	Welcoming Remarks Chris R. Burritt Chairman of the Board Welcoming Remarks Chris R. Burritt Chairman of the Board Forward Looking Statements This presentation may contain the words or phrases “will likely result”, “are expected to”, “will continue”, “is anticipated”, “estimate”, ”project” or similar expressions that are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such stat
June 1, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2023 (Exact name of Regis UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
May 15, 2023	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Ma
May 12, 2023	8-K	Entry into a Material Definitive Agreement, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 8, 2023 Pathfinder Bancorp, Inc. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incor
May 12, 2023	EX-10.1	Amendment to the Registration Rights Agreement EXHIBIT 10.1 AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT THIS AMENDMENT TO THE REGISTRATION RIGHTS AGREEMENT, dated as of May 8, 2023 (the “Amendment”), by and between Pathfinder Bancorp, Inc., a Maryland corporation (the “Company”) and Castle Creek Capital Partners VII, LP (“Castle Creek”). Each of the capitalized terms contained in this Amendment, but not specifically defined in this Amendmen
May 2, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2023 (Exact name of Regist UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization)
May 2, 2023	EX-99	Pathfinder Bancorp, Inc. Announces First Quarter 2023 Net Income of $2.6 Million Results Highlight Stable Liquidity, Strong Asset Quality, Expanding Revenue and Expanding Reach Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces First Quarter 2023 Net Income of $2.6 Million Results Highlight Stable Liquidity, Strong Asset Quality, Expanding Revenue and Expanding Reach OSWEGO, N.Y., May 2, 2023 – Pathfinder Bancorp, Inc. (“Company”) (NASDAQ: PBHC), the
April 27, 2023	ARS	ARS 2022 ANNUAL REPORTLOCAL We have proudly served Central New York for over 150 years.
April 27, 2023	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin
April 3, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 3, 2023 (Exact name of Regi UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 3, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
April 3, 2023	EX-99	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (April 3, 2023) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.09 per share on the Company's
March 31, 2023	EX-21	Subsidiaries of Registrant EXHIBIT 21: SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Pathfinder Bank New York (direct) Pathfinder Statutory Trust II Delaware (direct) Whispering Oaks Development Corp.
March 31, 2023	10-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-36695 PATHFINDER BANCORP, INC. (Exa
March 30, 2023	8-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 29, 2023 (Exact name of Reg UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 29, 2023 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
March 30, 2023	EX-99	Dowd Named President and CEO for Pathfinder Bank Investor/Media Contacts Chris R. Burritt, Chairman of the Board of Directors (315) 343-0057 Dowd Named President and CEO for Pathfinder Bank SYRACUSE, New York (March 29, 2023) – Pathfinder Bancorp, Inc (the “Company”) (NASDAQ:PFBC), the bank holding company of Pathfinder Bank (the “Bank”) announced today that its Board of Directors has named James A. (“Jim”) Dowd as President and Chief Executive
February 14, 2023	SC 13G/A	PBHC / Pathfinder Bancorp, Inc. / Minerva Advisors LLC - PATHFINDER 13GA5 MINERVA Passive Investment SC 13G/A 1 pathfinderbancorp13ga5v2.htm PATHFINDER 13GA5 MINERVA UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $.01 (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this
February 13, 2023	SC 13G/A	PBHC / Pathfinder Bancorp, Inc. / Pathfinder Bancorp, Inc. - PATHFINDER BANCORP, INC. SCHEDULE 13G (AMENDMENT 9) DECEMBER 31, 2022 Passive Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 9)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the
January 31, 2023	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 31, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
January 31, 2023	EX-99.1	Pathfinder Bancorp, Inc. Announces Fourth Quarter 2022 Net Income of $3.5 Million and Full Year Net Income of $12.9 Million Results Include Record Earnings, Strong Loan Growth, Continued Solid Asset Quality And Prudent Expense Management Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Fourth Quarter 2022 Net Income of $3.5 Million and Full Year Net Income of $12.9 Million Results Include Record Earnings, Strong Loan Growth, Continued Solid Asset Quality And Prudent Expense Management Oswego, N.Y. — January 3
December 27, 2022	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (December 27, 2022) – James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.09 per share on the Compan
December 27, 2022	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 27, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
November 14, 2022	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter
October 31, 2022	EX-99.1	Pathfinder Bancorp, Inc. Announces Third Quarter 2022 Net Income of $3.2 Million SOLID LOAN GROWTH, MARGIN EXPANSION AND CONTINUED STRONG ASSET QUALITY METRICS SUPPORT REVENUE GROWTH Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Third Quarter 2022 Net Income of $3.2 Million SOLID LOAN GROWTH, MARGIN EXPANSION AND CONTINUED STRONG ASSET QUALITY METRICS SUPPORT REVENUE GROWTH OSWEGO, N.Y., October 31, 2022 ? Pathfinder Bancorp, Inc. (?Company?) (NASDAQ:
October 31, 2022	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
October 7, 2022	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 28, 2022 PATHFINDER BANCORP, INC. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction o
October 7, 2022	EX-10.1	Separation Agreement and General Release by and between Pathfinder Bancorp, Inc. and Thomas W. Schneider, dated September 28, 2022 EXHIBIT 10.1 SEPARATION AGREEMENT AND GENERAL RELEASE This Separation Agreement and General Release (?Agreement?) is dated September 9th, 2022 and is entered into by and between Pathfinder Bancorp., Inc., including Pathfinder Bank and any other affiliates or subsidiaries (?Pathfinder?), located at 214 W. First Street, Oswego, New York 13126, and Thomas W. Schneider (?Mr. Schneider?), residing at 1
September 26, 2022	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 26, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organi
September 26, 2022	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President and CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (September 26, 2022) ? James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.09 per share on the Compa
September 13, 2022	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 7, 2022 Pathfinder Bancorp, Inc. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of
August 15, 2022	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Mar
August 1, 2022	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 1, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
August 1, 2022	EX-99.1	Pathfinder Bancorp, Inc. Announces Second Quarter 2022 Net Income of $3.3 Million CONTINUED STRONG ASSET QUALITY AND IMPROVED MARGINS SUPPORT EARNINGS GROWTH Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Second Quarter 2022 Net Income of $3.3 Million CONTINUED STRONG ASSET QUALITY AND IMPROVED MARGINS SUPPORT EARNINGS GROWTH OSWEGO, N.Y., August 1, 2022 ? Pathfinder Bancorp, Inc. (?Company?) (NASDAQ: PBHC), the holding company
July 14, 2022	11-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2021 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SEC
June 30, 2022	NT 11-K	SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 12b-25 Commission File No. 001-36695 NOTIFICATION OF LATE FILING (Check One): ? Form 10-K ? Form 20-F ? Form 11-K ? Form 10-Q ? Form 10-D ? Form N-SAR ? Form N-CSR For Period Ended: December 31, 2021 ? Transition Report on Form 10-K ? Transition Report on Form 10-Q ? Transition Report on Form 20-F ? Transition Report on Form N-SAR ? Tr
June 27, 2022	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 27, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
June 27, 2022	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: James A. Dowd, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (June 24, 2022) ? James A. Dowd, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting
May 16, 2022	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Ma
May 16, 2022	8-K	Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
May 13, 2022	EX-99.1	2022 Annual Meeting of Shareholders Presentation NASDAQ: PBHC May 13, 2022 Chris R. Burritt James A. “Jim” Dowd Walter F. Rusnak Chairman of the Board President & CEO Senior VP & CFO 1 2022 Annual Meeting of Shareholders Presentation NASDAQ: PBHC May 13, 2022 Chris R.
May 13, 2022	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 13, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
May 3, 2022	EX-99.1	Pathfinder Bancorp, Inc. Announces First Quarter 2022 Net Income of $3.0 Million Continued Revenue Growth, Improved Asset Quality Metrics, Strong Quarterly Earnings Results Include Increases in Outstanding Loans, Net Interest Margin Expansion, Improv Exhibit 99.1 Investor/Media Contacts James A. Dowd, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces First Quarter 2022 Net Income of $3.0 Million Continued Revenue Growth, Improved Asset Quality Metrics, Strong Quarterly Earnings Results Include Increases in Outstanding Loans, Net Interest Margin Expansion, Improved Funding C
May 3, 2022	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization)
April 19, 2022	8-K	Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 14, 2022 Pathfinder Bancorp, Inc. (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of In
April 19, 2022	EX-10.1	10.1 Employment Agreement by and between Pathfinder Bancorp, Inc. and Thomas W. Schneider, dated April 14, 2022 EXHIBIT 10.1 EMPLOYMENT AGREEMENT This is the record made April 14, 2022, of an Employment Agreement (?Agreement?) between Pathfinder Bancorp., Inc. (?Employer?) and Thomas W. Schneider (?Mr. Schneider?) to set forth the terms and conditions of Mr. Schneider?s employment with Employer. WHEREAS, Employer is the sole stockholder of Pathfinder Bank (?Bank?); WHEREAS, Mr. Schneider, Employer and the B
April 19, 2022	EX-99.1	Pathfinder Bancorp, Inc. Names James A. Dowd Interim President and CEO EX-99.1 3 ex99-18k041422.htm PRESS RELEASE, DATED APRIL 14, 2022 EXHIBIT 99.1 Pathfinder Bancorp, Inc. Names James A. Dowd Interim President and CEO OSWEGO, N.Y., April 14, 2022 (GLOBE NEWSWIRE) - The Board of Directors of Pathfinder Bancorp, Inc. (the “Company”) (NASDAQ: PBHC), the bank holding company of Pathfinder Bank (the “Bank”), announced the appointment of James A. Dowd as Interim Presiden
March 30, 2022	DEF 14A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) DEF 14A 1 pbhc-def14a20220513.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only
March 28, 2022	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 28, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
March 28, 2022	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: Thomas W. Schneider, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (March 25, 2022) - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.09 per share on the Com
March 25, 2022	10-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-36695 PATHFINDER BANCORP, INC. (Exa
March 25, 2022	EX-21	Subsidiaries of Registrant EXHIBIT 21: SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Pathfinder Bank New York (direct) Pathfinder Statutory Trust II Delaware (direct) Whispering Oaks Development Corp.
February 14, 2022	SC 13G/A	PBHC / Pathfinder Bancorp, Inc. / Minerva Advisors LLC - MINERVA 13GA4 PATHFINDER Passive Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $.01 (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursu
February 11, 2022	SC 13G/A	PBHC / Pathfinder Bancorp, Inc. / Pathfinder Bancorp, Inc. - PATHFINDER BANCORP, INC. SCHEDULE 13G (AMENDMENT 8) DECEMBER 31, 2021 Passive Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 8)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the
February 3, 2022	EX-99.1	Pathfinder Bancorp, Inc. Announces Fourth Quarter 2021 Net Income of $3.9 Million and Record Full Year Net Income of $12.5 Million Results Include Record Earnings, Continued Stable Asset Quality, Prudent Expense Management and Significant Fourth Quar Exhibit 99.1 Investor/Media Contacts Thomas W. Schneider, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Fourth Quarter 2021 Net Income of $3.9 Million and Record Full Year Net Income of $12.5 Million Results Include Record Earnings, Continued Stable Asset Quality, Prudent Expense Management and Significant Fourth Quarter Pr
February 3, 2022	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 3, 2022 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
December 20, 2021	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: Thomas W. Schneider, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (December 20, 2021) - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.07 per share on the
December 20, 2021	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 20, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
November 15, 2021	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter
November 2, 2021	EX-99.1	Pathfinder Bancorp, Inc. Announces Third Quarter 2021 Net Income of $3.4 Million, an Increase of 128% over 2020 Year-To-Date Net Income Up 70% Over 2020 Strong Revenue Growth, Improved Asset Quality Metrics, Record Quarterly Earnings Exhibit 99.1 Investor/Media Contacts Thomas W. Schneider, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Third Quarter 2021 Net Income of $3.4 Million, an Increase of 128% over 2020 Year-To-Date Net Income Up 70% Over 2020 Strong Revenue Growth, Improved Asset Quality Metrics, Record Quarterly Earnings Oswego, N.Y. ? Novembe
November 2, 2021	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 2, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
September 27, 2021	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EX-99.1 2 pbhc-ex9916.htm EX-99.1 EXHIBIT 99.1 News Release: CONTACT: Thomas W. Schneider, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (September 27, 2021) - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash
September 27, 2021	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 27, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organi
August 16, 2021	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified i
August 2, 2021	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 2, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
August 2, 2021	EX-99.1	Pathfinder Bancorp, Inc. Announces Second Quarter 2021 Quarterly Net Income of $3.0 Million, an Increase of 63.4% over 2020 Year-To-Date Net Income Up 46.2% Over 2020 Strong Revenue Growth, Stable Asset Quality Metrics, Record Quarterly Earnings Exhibit 99.1 Investor/Media Contacts Thomas W. Schneider, President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Second Quarter 2021 Quarterly Net Income of $3.0 Million, an Increase of 63.4% over 2020 Year-To-Date Net Income Up 46.2% Over 2020 Strong Revenue Growth, Stable Asset Quality Metrics, Record Quarterly Earnings Oswego, N.
June 28, 2021	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: Thomas W. Schneider, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (June 28, 2021) - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.07 per share on the Comp
June 28, 2021	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 28, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
June 28, 2021	11-K	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2020 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SEC
June 10, 2021	8-K	Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 10, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
June 10, 2021	EX-3.1	Articles Supplementary to the Articles of Incorporation of the Company creating Class A Non-Voting Common Stock, par value $0.01 per share. PATHFINDER BANCORP, INC. ARTICLES SUPPLEMENTARY FOR CLASS A NON-VOTING COMMON STOCK Pathfinder Bancorp, Inc., a Maryland Corporation (the "Corporation"), hereby certifies to the State Department of Assessments and Taxation of Maryland that: WHEREAS, under a power contained in Article 5 of the Articles of Incorporation of the Corporation, the Board of Directors of the Corporation adopted the follow
June 4, 2021	EX-99.1	2021 Annual Meeting of Shareholders Presentation NASDAQ: PBHC June 4, 2021 Chris R. Burritt Thomas W. “Tom” Schneider Walter F. Rusnak Chairman of the Board President, CEO & Director Senior VP & CFO 1 2021 Annual Meeting of Shareholders Presentation NASDAQ: PBHC June 4, 2021 Chris R.
June 4, 2021	8-K	Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 4, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization
May 17, 2021	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Ma
May 3, 2021	EX-99.1	Pathfinder Bancorp, Inc. Announces First Quarter 2021 Net Income of $2.2 Million, an Increase of 27.5% over 2020 Strong Loan and Deposit Growth in the Quarter Quarterly Cash Dividend Increased 16.7% EXHIBIT 99.1 Investor/Media Contacts Thomas W. Schneider ? President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces First Quarter 2021 Net Income of $2.2 Million, an Increase of 27.5% over 2020 Strong Loan and Deposit Growth in the Quarter Quarterly Cash Dividend Increased 16.7% Oswego, N.Y. ? May 3, 2021 ? Pathfinder Bancorp, Inc. (?
May 3, 2021	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 3, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization)
April 27, 2021	DEF 14A	- DEF 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defi
April 6, 2021	PRE 14A	- PRE 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defi
March 30, 2021	10-K	Annual Report - 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 001-36695 PATHFINDER BANCORP, INC. (Exa
March 30, 2021	EX-21	Subsidiaries of Registrant EX-21 2 pbhc-ex219.htm EX-21 EXHIBIT 21: SUBSIDIARIES OF THE REGISTRANT Name State of Incorporation Pathfinder Bank New York (direct) Pathfinder Statutory Trust II Delaware (direct) Whispering Oaks Development Corp. New York (indirect) Pathfinder Risk Management Company Inc. New York (indirect) FitzGibbons Agency, LLC (1) New York (indirect) (1) Pathfinder Bancorp, Inc. indirectly owns 51% of Fitz
March 29, 2021	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 29, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
March 29, 2021	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 29, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
March 29, 2021	EX-99.1	Pathfinder Bancorp, Inc. Revises 2020 Pretax Net Income and Related Financial Information at and for the Year Ended December 31, 2020 Decrease in Pretax Net Income Offset by a Reduction in Income Tax Expense No Change to Originally Reported Net Incom EXHIBIT 99.1 Investor/Media Contacts Thomas W. Schneider ? President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Revises 2020 Pretax Net Income and Related Financial Information at and for the Year Ended December 31, 2020 Decrease in Pretax Net Income Offset by a Reduction in Income Tax Expense No Change to Originally Reported Net Income or
March 29, 2021	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: Thomas W. Schneider, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (March 29, 2021) - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.07 per share on the Com
February 16, 2021	SC 13G/A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 7)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Sec UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 7)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the
February 9, 2021	SC 13G/A	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $.01 (Title of Class of Securities) (C UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* Pathfinder Bancorp, Inc. (Name of Issuer) Common Stock, par value $.01 (Title of Class of Securities) 70319R109 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursu
February 1, 2021	EX-99.1	Pathfinder Bancorp, Inc. Announces Fourth Quarter 2020 Net Income of $1.9 Million and Full Year Net Income of $7.0 Million Continued Loan and Deposit Growth, Effective Noninterest Expense Management and Reduced Funding Costs EXHIBIT 99.1 Investor/Media Contacts Thomas W. Schneider – President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Fourth Quarter 2020 Net Income of $1.9 Million and Full Year Net Income of $7.0 Million Continued Loan and Deposit Growth, Effective Noninterest Expense Management and Reduced Funding Costs Oswego, N.Y. — February 1, 202
February 1, 2021	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 1, 2021 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
December 21, 2020	8-K	Financial Statements and Exhibits, Other Events - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 21, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
December 21, 2020	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: Thomas W. Schneider, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (December 21, 2020) - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.06 per share on the
November 17, 2020	EX-3.1	Amendment to the Articles Supplementary to the Articles of Incorporation of Pathfinder Bancorp, Inc. designating the Series B Convertible Perpetual Preferred Stock, $0.01 par value per share (Incorporated by reference to Exhibit 3.1 to Pathfinder Bancorp, Inc.’s Current Report on Form 8-K, file no. 001-36695, filed on November 17, 2020) Exhibit 3.1 ARTICLES OF AMENDMENT OF ARTICLES SUPPLEMENTARY OF SERIES B CONVERTIBLE PERPETUAL PREFERRED STOCK OF PATHFINDER BANCORP, INC. Pursuant to Section 2-208 of Maryland General Corporation Law and Article 5 of its Articles of Incorporation, Pathfinder Bancorp, Inc., a corporation organized and existing under the laws of the State of Maryland (the “Corporation”), does hereby certify as follo
November 17, 2020	8-K	Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 13, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
November 17, 2020	EX-10.1	Exchange Agreement, dated as of November 13, 2020, by and between Pathfinder Bancorp, Inc. and Castle Creek Capital Partners VII, LP. (Incorporated by reference to Exhibit 10.1 to Pathfinder Bancorp, Inc.’s Current Report on Form 8-K, file no. 001-36695, filed on November 17, 2020) Exhibit 10.1 EXCHANGE AGREEMENT by and between PATHFINDER BANCORP, INC. and CASTLE CREEK CAPITAL PARTNERS VII, LP Dated as of November 13, 2020 This EXCHANGE AGREEMENT is made and entered into as of November 13, 2020 (this “Agreement”) by and between Pathfinder Bancorp, Inc., a Maryland corporation (the “Company”), and Castle Creek Capital Partners VII, LP, a Delaware limited partnership (the “Inv
November 17, 2020	SC 13D/A	PBHC / Pathfinder Bancorp, Inc. / Castle Creek Capital Partners VII, LP - SC 13D/A Activist Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* PATHFINDER BANCORP, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 70319R109 (CUSIP Number) Castle Creek Capital Partners VII, LP 6051 El Tordo PO Box 1329 Rancho Santa Fe, CA 92067 858-756-8300 Copy to: John
November 17, 2020	EX-99.9	JOINT FILING AGREEMENT Exhibit 99.9 JOINT FILING AGREEMENT The undersigned hereby agree that this Schedule 13D, dated November 17, 2020, with respect to the common stock, par value $0.01 per share, of Pathfinder Bancorp, Inc., a Maryland corporation, is, and any amendments hereto signed by each of the undersigned shall be, filed on behalf of each of us pursuant to and in accordance with the provisions of Rule 13d-1(k) u
November 17, 2020	EX-99.8	EXCHANGE AGREEMENT by and between PATHFINDER BANCORP, INC. CASTLE CREEK CAPITAL PARTNERS VII, LP Dated as of November 13, 2020 Exhibit 99.8 Execution Version EXCHANGE AGREEMENT by and between PATHFINDER BANCORP, INC. and CASTLE CREEK CAPITAL PARTNERS VII, LP Dated as of November 13, 2020 This EXCHANGE AGREEMENT is made and entered into as of November 13, 2020 (this “Agreement”) by and between Pathfinder Bancorp, Inc., a Maryland corporation (the “Company”), and Castle Creek Capital Partners VII, LP, a Delaware limited par
November 16, 2020	10-Q	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter
November 12, 2020	424B3	Offer to Exchange Up to $25,000,000 in aggregate principal amount of 5.50% Fixed-to-Floating Rate Subordinated Notes due 2030 that have been registered under the Securities Act of 1933, as amended, for any and all outstanding unregistered 5.50% Fixed 424B3 Table of Contents Filed pursuant to Rule 424(b)(3) Registration No. 333-249749 PROSPECTUS Offer to Exchange Up to $25,000,000 in aggregate principal amount of 5.50% Fixed-to-Floating Rate Subordinated Notes due 2030 that have been registered under the Securities Act of 1933, as amended, for any and all outstanding unregistered 5.50% Fixed-to-Floating Rate Subordinated Notes due 2030 The exch
November 10, 2020	EX-99.1	Pathfinder Bancorp, Inc. Announces Third Quarter 2020 Net Income of $1.5 Million Net Income of $5.0 Million for First Nine Months of 2020 Strong Third Quarter Revenue Growth, Lower Funding Costs and Operating Costs Drive Improved Year-Over-Year Perfo EXHIBIT 99.1 Investor/Media Contacts Thomas W. Schneider ? President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Third Quarter 2020 Net Income of $1.5 Million Net Income of $5.0 Million for First Nine Months of 2020 Strong Third Quarter Revenue Growth, Lower Funding Costs and Operating Costs Drive Improved Year-Over-Year Performanc
November 10, 2020	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 10, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiz
November 6, 2020	LETTER	LETTER United States securities and exchange commission logo November 6, 2020 Thomas Schneider President and Chief Executive Officer Pathfinder Bancorp, Inc.
November 6, 2020	CORRESP	PATHFINDER BANCORP, INC. 214 West First Street Oswego, New York 13126 PATHFINDER BANCORP, INC. 214 West First Street Oswego, New York 13126 November 6, 2020 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Pathfinder Bancorp, Inc. Registration Statement on Form S-4 (Registration No. 333-249749) Request for Acceleration of Effectiveness Ladies and Gentlemen: Pathfinder Bancorp, Inc., a Maryland corporation (the ?Company?), he
October 30, 2020	EX-25.1	Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of UMB Bank, N.A., with respect to the Indenture, dated as of October 14, 2020, between Pathfinder Bancorp, Inc. and UMB Bank, N.A., as trustee, relating to the 5.50% Fixed-to-Floating Rate Subordinated Notes due 2030 EX-25.1 Exhibit 25.1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) UMB BANK, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 44-0201230 I.R.S. Employer I
October 30, 2020	S-4	- FORM S-4 Form S-4 Table of Contents As filed with the Securities and Exchange Commission on October 30, 2020 Registration No.
October 30, 2020	EX-99.1	Form of Letter of Transmittal relating to the 5.50% Fixed-to-Floating Rate Subordinated Notes due 2030 EX-99.1 Exhibit 99.1 LETTER OF TRANSMITTAL to Tender for Exchange 5.50% Fixed-to-Floating Rate Subordinated Notes due 2030 of PATHFINDER BANCORP, INC. Pursuant to the Prospectus Dated , 2020 THE EXCHANGE OFFER DESCRIBED HEREIN WILL EXPIRE AT 5:00 P.M., EASTERN TIME, ON , 2020, UNLESS EXTENDED (THE “EXPIRATION DATE”). TENDERS MAY BE WITHDRAWN PRIOR TO 5:00 P.M., EASTERN TIME, ON THE EXPIRATION DATE
October 15, 2020	EX-99.2	September 2020 Subordinated Notes Offering Presentation NASDAQ: PBHC September 2020 Subordinated Notes Offering Presentation NASDAQ: PBHC Notice to Recipients This confidential subordinated notes offering presentation (this “Presentation”) has been prepared solely for general informational purposes by Pathfinder Bancorp, Inc.
October 15, 2020	EX-4.1	Indenture, dated as of October 14, 2020, by and between Pathfinder Bancorp, Inc. and UMB Bank, National Association, as trustee (Incorporated herein by reference to Exhibit 4.1 to Pathfinder Bancorp, Inc.’s Current Report on Form 8-K, file no. 001-36695, filed on October 15, 2020) Exhibit 4.1 PATHFINDER BANCORP, INC. As Issuer, and UMB BANK, NATIONAL ASSOCIATION As Trustee INDENTURE Dated as of October 14, 2020 5.50% Fixed to Floating Rate Subordinated Notes due 2030 TABLE OF CONTENTS ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 101 Definitions. 1 Section 102 Compliance Certificates and Opinions. 9 Section 103 Form of Documents Delivered to Trustee. 9 Sect
October 15, 2020	EX-99.1	Pathfinder Bancorp, Inc. Announces Completion of $25 Million Private Placement of Subordinated Notes EXHIBIT 99.1 Investor/Media Contacts Thomas W. Schneider – President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces Completion of $25 Million Private Placement of Subordinated Notes Oswego, N.Y., October 14, 2020 (GLOBE NEWWIRE) - Pathfinder Bancorp, Inc. (“Company”) (NASDAQ: PBHC), the holding company for Pathfinder Bank (“Bank”), to
October 15, 2020	EX-10.2	Form of Registration Rights Agreement, dated as of October 14, 2020, by and between Pathfinder Bancorp, Inc. and the Several Purchasers (Incorporated by reference to Exhibit 10.2 to Pathfinder Bancorp, Inc.’s Current Report on Form 8-K, file no. 001-36695, filed on October 15, 2020) Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT This REGISTRATION RIGHTS AGREEMENT (the “Agreement”) is dated as of October 14, 2020 and is made by and among Pathfinder Bancorp, Inc. a Maryland corporation (the “Company”), and the several purchasers of the Subordinated Notes (as defined below) identified on the signature pages to the Purchase Agreement (as defined below) (collectively, the “Purchasers”
October 15, 2020	EX-10.1	Form of Subordinated Note Purchase Agreement, dated as of October 14, 2020, by and between Pathfinder Bancorp, Inc. and the Several Purchasers (Incorporated by reference to Exhibit 10.1 to Pathfinder Bancorp, Inc.’s Current Report on Form 8-K, file no. 001-36695, filed on October 15, 2020) Exhibit 10.1 SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of October 14, 2020, and is made by and among Pathfinder Bancorp, Inc., a Maryland corporation (the “Company”), and the several purchasers of the Subordinated Notes (as defined herein) identified on the signature pages hereto (each a “Purchaser” and collectively, the “Purchase
October 15, 2020	8-K	Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 14, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organiza
September 25, 2020	8-K	Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 25, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organi
September 24, 2020	EX-99.1	2020 Annual Meeting of Shareholders 10:00 A.M. \| September 24th, 2020 Virtual Meeting Hosted by Computershare 2020 Annual Meeting of Shareholders 10:00 A.M. \| September 24th, 2020 Virtual Meeting Hosted by Computershare Welcoming Remarks Chris R. Burritt Chairman of the Board Agenda – 2020 Annual Meeting of Shareholders Introduction of Directors, Management and Guests Conduct of the Meeting Notice and proxy Report of Inspector of Elections Meeting proposals Call for vote Management Presentation and Writte
September 24, 2020	8-K	Financial Statements and Exhibits - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 24, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organi
September 21, 2020	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: Thomas W. Schneider, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (September 21, 2020) - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.06 per share on the
September 21, 2020	8-K	Financial Statements and Exhibits - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 21, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organi
August 24, 2020	DEF 14A	- DEFINITIVE PROXY STATEMENT Definitive Proxy Statement Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.
August 13, 2020	10-Q	Quarterly Report - 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Mar
August 3, 2020	EX-99.1	Pathfinder Bancorp, Inc. Second Quarter 2020 Net Income Increased 203% to $1.8 Million Year-To-Date Net Income of $3.5 Million, Total Assets Reach $1.17 Billion For Second Quarter 2020: Year-Over-Year Total Revenue Increased 15.7%, Average Interest E EX-99.1 2 pbhc-ex9916.htm EX-99.1 EXHIBIT 99.1 Investor/Media Contacts Thomas W. Schneider – President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Second Quarter 2020 Net Income Increased 203% to $1.8 Million Year-To-Date Net Income of $3.5 Million, Total Assets Reach $1.17 Billion For Second Quarter 2020: Year-Over-Year Total Revenue Increa
August 3, 2020	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 3, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizati
July 21, 2020	8-K	Current Report UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
June 30, 2020	EX-99.1	Pathfinder Bancorp, Inc. Declares Dividend EXHIBIT 99.1 News Release: CONTACT: Thomas W. Schneider, President & CEO, (315) 343-0057 Pathfinder Bancorp, Inc. Declares Dividend OSWEGO, New York (June 30, 2020) - Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.06 per share on the Comp
June 30, 2020	8-K	Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organizatio
June 29, 2020	11-K	- 11-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2019 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SEC
June 10, 2020	10-Q/A	Quarterly Report - 10-Q/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A Amendment No. 1 ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified
May 29, 2020	10-Q	Quarterly Report - 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to (Exact Name of Company as Specified in its Charter) Ma
May 19, 2020	EX-99.1	Pathfinder Bancorp, Inc. Announces First Quarter 2020 Total Net Income of $1.7 Million Improves 228.8% over 2019 Net Income of $1.3 Million Available to Common Shareholders Improves 157.4% Over 2019 Describes Response to COVID-19 Pandemic For First Q EXHIBIT 99.1 Investor/Media Contacts Thomas W. Schneider – President, CEO Walter F. Rusnak, Senior Vice President, CFO Telephone: (315) 343-0057 Pathfinder Bancorp, Inc. Announces First Quarter 2020 Total Net Income of $1.7 Million Improves 228.8% over 2019 Net Income of $1.3 Million Available to Common Shareholders Improves 157.4% Over 2019 Describes Response to COVID-19 Pandemic For First Quarte
May 19, 2020	8-K	Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2020 (Exact name of Registrant as specified in its charter) Commission File Number: 001-36695 Maryland 38-3941859 (State or Other Jurisdiction of Incorporation or Organization

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