FinObservatory

SEC filings / CIK 1609065

PATHFINDER BANCORP, INC.

State commercial banks, NY. 12 10-K filer-years in this dataset, the most recent for FY2025, filed Mar 30, 2026. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.

This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.

Held-to-maturity gap against reported equity

The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.

-15-10-505FY2014: HTM fair value less carrying amount, +1.8% of reported stockholders’ equityFY2015: HTM fair value less carrying amount, +1.7% of reported stockholders’ equityFY2016: HTM fair value less carrying amount, -0.4% of reported stockholders’ equityFY2017: HTM fair value less carrying amount, +0.4% of reported stockholders’ equityFY2018: HTM fair value less carrying amount, -0.2% of reported stockholders’ equityFY2019: HTM fair value less carrying amount, +1.3% of reported stockholders’ equityFY2020: HTM fair value less carrying amount, +3.8% of reported stockholders’ equityFY2021: HTM fair value less carrying amount, +1.7% of reported stockholders’ equityFY2022: HTM fair value less carrying amount, -11.6% of reported stockholders’ equityFY2023: HTM fair value less carrying amount, -9.4% of reported stockholders’ equityFY2024: HTM fair value less carrying amount, -6.3% of reported stockholders’ equityFY2025 (partial): HTM fair value less carrying amount, -4.2% of reported stockholders’ equity141516171819202122232425Fiscal year of the 10-K% of reported stockholders’ equity

The gap is computable for 12 of this company’s 12 filings.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology

Filing history, as filed

FYFiledAssetsDepositsEquityAOCIHTM carryingHTM fair valueGap, % of equityCustom facts
2025pMar 30, 2026$1.43bn$1.18bn$122.5m-$5.4m$130.3m$125.2m-4.2%20.8%
2024Mar 31, 2025$1.47bn$1.20bn$121.5m-$9.1m$158.7m$151.0m-6.3%18.5%
2023Mar 22, 2024$1.47bn$1.12bn$119.5m-$9.6m$179.3m$168.0m-9.4%17.1%
2022Mar 31, 2023$1.40bn$1.13bn$111.0m-$12.2m$194.4m$181.5m-11.6%16.9%
2021Mar 25, 2022$1.29bn$1.06bn$110.3m-$1.3m$160.9m$162.8m+1.7%16.2%
2020Mar 30, 2021$1.23bn$995.9m$97.5m-$2.2m$171.2m$174.9m+3.8%13.9%
2019Mar 23, 2020$1.09bn$881.9m$90.4m-$3.0m$123.0m$124.1m+1.3%12.4%
2018Mar 27, 2019$933.1m$727.1m$64.2m-$6.0m$53.9m$53.8m-0.2%10.3%
2017Mar 30, 2018$881.3m$723.6m$61.8m-$4.2m$66.2m$66.4m+0.4%7.8%
2016Mar 31, 2017$749.0m$611.0m$57.9m-$3.8m$54.6m$54.4m-0.4%7.2%
2015Mar 29, 2016$623.3m$490.3m$70.8m-$2.6m$44.3m$45.5m+1.7%6.5%
2014Mar 18, 2015$561.0m$415.6m$68.8m-$2.1m$40.9m$42.1m+1.8%6.1%

ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology

What this page cannot tell you

  • A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
  • A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
  • AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
  • Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.

Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.