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Pathfinder Bancorp PBHC Federal Home Loan Bank Borrowings

Federal Home Loan Bank Borrowings at other companies

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Other financials

Income statement

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Revenue$11.5M-9.0%
Net income$2.4M-18.9%
EPS (diluted)$0.47+14.6%

Balance sheet

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Cash & equivalents$39.2M-23.9%
Total debt$45.0M-28.5%
Total equity$123.6M-1.1%
Total assets$1.4B-4.9%

Cash flow

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Operating cash flow-$241.0K-104%
CapEx$248.0K-61.1%
Free cash flow-$489.0K-110%

Valuation

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Market cap$99.35M+8.2%
Enterprise value$105.15M-39.8%
P/S2.2×+0.4×

Profitability

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Net margin-5.5%-13.6pp
FCF margin44.5%

Returns & leverage

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Return on equity-2%-5.4pp
Debt / equity0.4×-0.1×

Where this comes from

Reported directly by Pathfinder Bancorp in its filing.

Tagged under the XBRL concept us-gaap:AdvancesFromFederalHomeLoanBanks.

The official record: Pathfinder Bancorp’s 10-K, filed March 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathfinder Bancorp's federal home loan bank borrowings?
Pathfinder Bancorp (PBHC) reported federal home loan bank borrowings of $14.07M in Q4 2025.
How has Pathfinder Bancorp's federal home loan bank borrowings changed year-over-year?
Pathfinder Bancorp's federal home loan bank borrowings decreased by 48.0% year-over-year, from $27.07M to $14.07M.
What is the long-term trend for Pathfinder Bancorp's federal home loan bank borrowings?
Over 5 years (2020 to 2025), Pathfinder Bancorp's federal home loan bank borrowings has grown at a -29.0% compound annual growth rate (CAGR), from $78.03M to $14.07M.
What does federal home loan bank borrowings mean?
This represents the total outstanding principal balance of advances obtained from the Federal Home Loan Bank system. These borrowings serve as a critical source of wholesale funding for banks, typically collateralized by residential mortgage loans or other eligible assets. Monitoring this balance helps assess the bank's reliance on external liquidity providers versus core deposit funding.