Pathfinder Bancorp FY26 Q2 net income swings to profit at $2.7 million

• Pathfinder Bancorp posted net income of USD 2.7 million, returning to profit from USD 31,000 a year earlier.
• Diluted EPS rose to USD 0.42 from less than USD 0.01, reflecting the absence of a USD 3.1 million pre-tax LOCOM charge.
• Net interest income before provision for credit losses slipped 2.6% to USD 10.5 million; net interest margin narrowed 3 basis points to 3.08%.
• Provision for credit losses swung to a USD 155,000 benefit from USD 1.2 million expense, tied to a modest reserve release.
• Noninterest income turned positive to USD 1.2 million from a USD 1.5 million loss; noninterest expense increased 7.5% to USD 8.7 million.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Pathfinder Bancorp Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-349125), on August 13, 2026, and is solely responsible for the information contained therein.