What is Pathfinder Bancorp's interest on subordinated debt?

Pathfinder Bancorp (PBHC) reported interest on subordinated debt of $649K in Q1 2026.

How has Pathfinder Bancorp's interest on subordinated debt changed year-over-year?

Pathfinder Bancorp's interest on subordinated debt increased by 36.6% year-over-year, from $475K to $649K.

What does interest on subordinated debt mean?

This represents the interest expense associated with debt instruments that rank below other senior debt in the event of liquidation. It is a critical component of a bank's regulatory capital structure and reflects the cost of maintaining long-term capital buffers.

Pathfinder Bancorp PBHC Interest On Subordinated Debt

Interest On Subordinated Debt at other companies

Citizens & NorthernCZNC

$233K+0.4%

STE

STELSTEL

$747K-48.3%

Peoples Financial ServicesPFIS

$1.75M+295%

West BancorporationWTBA

$1.1M-0.1%

First Mid Bancshares, Inc.FMBH

$1.17M+23.3%

NFB

Northfield BancorpNFBK

$819K0.0%

Other financials

Income statement

See full

Revenue$11.5M-9.0%

Net income$2.4M-18.9%

EPS (diluted)$0.47+14.6%

Balance sheet

See full

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

See full

Operating cash flow-$241.0K-104%

CapEx$248.0K-61.1%

Free cash flow-$489.0K-110%

Valuation

See full

Market cap$99.35M+8.2%

Enterprise value$105.15M-39.8%

P/S2.2×+0.4×

Profitability

See full

Net margin-5.5%-13.6pp

FCF margin44.5%—

Returns & leverage

See full

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 pbhc:InterestOnSubordinatedDebt.

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

Ask your AI about Pathfinder Bancorp's interest on subordinated debt.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Pathfinder Bancorp's interest on subordinated debt?: Pathfinder Bancorp (PBHC) reported interest on subordinated debt of $649K in Q1 2026.
How has Pathfinder Bancorp's interest on subordinated debt changed year-over-year?: Pathfinder Bancorp's interest on subordinated debt increased by 36.6% year-over-year, from $475K to $649K.
What does interest on subordinated debt mean?: This represents the interest expense associated with debt instruments that rank below other senior debt in the event of liquidation. It is a critical component of a bank's regulatory capital structure and reflects the cost of maintaining long-term capital buffers.