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Pathfinder Bancorp PBHC Noninterest-bearing deposits

Noninterest-bearing deposits at other companies

M&T Bank logo
M&T BankMTB
$45.89B-6.4%
KeyCorp logo
KeyCorpKEY
$27.6B-3.0%
Sound Financial Bancorp logo
Sound Financial BancorpSFBC
$131.09M+3.5%
PCB Bancorp logo
PCB BancorpPCB
$570.39M+1.1%
JPMorgan Chase logo
JPMorgan ChaseJPM
SR Bancorp, Inc. logo
SR Bancorp, Inc.SRBK

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:NoninterestBearingDepositLiabilities.

The official record: Pathfinder Bancorp’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathfinder Bancorp's noninterest-bearing deposits?
Pathfinder Bancorp (PBHC) reported noninterest-bearing deposits of $206.64M in Q1 2026.
How has Pathfinder Bancorp's noninterest-bearing deposits changed year-over-year?
Pathfinder Bancorp's noninterest-bearing deposits increased by 1.6% year-over-year, from $203.31M to $206.64M.
What is the long-term trend for Pathfinder Bancorp's noninterest-bearing deposits?
Over 5 years (2020 to 2025), Pathfinder Bancorp's noninterest-bearing deposits has grown at a 3.9% compound annual growth rate (CAGR), from $162.06M to $196.38M.
What does noninterest-bearing deposits mean?
This represents demand deposit accounts that do not pay interest to the account holder, typically used for transactional purposes by business and retail customers. These deposits are the most cost-effective source of funding for a bank, directly impacting the net interest margin. A higher proportion of these deposits indicates strong customer loyalty and operational efficiency.