Call reports 2025
PATHFINDER BANK — 2025
What PATHFINDER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,488,082,000 | 1,496,605,000 | 1,463,093,000 | 1,416,480,000 |
| Total loans | 912,150,000 | 912,884,000 | 898,530,000 | 902,580,000 |
| Allowance for loan losses | 17,407,000 | 15,983,000 | 18,654,000 | 29,436,000 |
| Securities available for sale | 283,846,000 | 300,744,000 | 294,251,000 | 276,611,000 |
| Securities held to maturity | 155,962,000 | 158,154,000 | 142,801,000 | 130,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,271,769,000 | 1,229,336,000 | 1,232,154,000 | 1,192,127,000 |
| Interest-bearing deposits | 1,062,527,000 | 1,031,931,000 | 1,030,149,000 | 989,781,000 |
| Noninterest-bearing deposits | 209,242,000 | 197,405,000 | 202,005,000 | 202,346,000 |
| Equity capital | 143,725,000 | 142,599,000 | 144,318,000 | 138,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 19,521,000 | 38,778,000 | 58,602,000 | 76,947,000 |
| Interest expense | 7,555,000 | 15,440,000 | 23,090,000 | 30,346,000 |
| Net interest income | 11,966,000 | 23,338,000 | 35,512,000 | 46,601,000 |
| Noninterest income | 845,000 | -1,264,000 | -92,000 | 393,000 |
| Noninterest expense | 8,006,000 | 15,573,000 | 24,043,000 | 32,676,000 |
| Provision for loan losses | 504,000 | 1,678,000 | 5,018,000 | 16,404,000 |
| Pretax income | 4,340,000 | 4,839,000 | 6,207,000 | -2,048,000 |
| Income tax | 868,000 | 968,000 | 1,117,000 | -328,000 |
| Net income | 3,472,000 | 3,871,000 | 5,090,000 | -1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,269,000 | 140,726,000 | 141,001,000 | 133,174,000 |
| Total capital | 154,310,000 | 153,691,000 | 154,183,000 | 145,828,000 |
| Risk-weighted assets | 1,038,170,000 | 1,033,465,000 | 1,048,215,000 | 994,844,000 |