Pathfinder Bancorp PBHC Loan Commitments Outstanding With Fixed Interest Rates
Loan Commitments Outstanding With Fixed Interest Rates at other companies
Other financials
Where this comes from
Reported directly by Pathfinder Bancorp in its filing.
Tagged under the XBRL concept pbhc:LoanCommitmentsOutstandingWithFixedInterestRates.
The source filing: Pathfinder Bancorp’s 10-K, filed March 30, 2026.
- Filed
- Mar 30, 2026, 5:39 PM EDT
- Fiscal year
- FY2025
- Accession
- 0001193125-26-132075
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties. Loan commitments outstanding at December 31, 2025 with variable interest rates and fixed interest rates were approximately $135.6 million and $50.7 million, respectively. These outstanding loan commitments carry current market rates.
ITEM 8: FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
FAQ
- What is Pathfinder Bancorp's loan commitments outstanding with fixed interest rates?
- Pathfinder Bancorp (PBHC) reported loan commitments outstanding with fixed interest rates of $50.7M in Q4 2025.
- How has Pathfinder Bancorp's loan commitments outstanding with fixed interest rates changed year-over-year?
- Pathfinder Bancorp's loan commitments outstanding with fixed interest rates increased by 44.0% year-over-year, from $35.2M to $50.7M.
- What is the long-term trend for Pathfinder Bancorp's loan commitments outstanding with fixed interest rates?
- Over 4 years (2021 to 2025), Pathfinder Bancorp's loan commitments outstanding with fixed interest rates has grown at a 22.0% compound annual growth rate (CAGR), from $22.9M to $50.7M.
- What does loan commitments outstanding with fixed interest rates mean?
- This represents the total volume of undrawn loan commitments that carry fixed interest rates. It indicates the bank's future credit risk exposure and potential for locking in long-term interest income. This metric is useful for assessing the bank's pipeline of fixed-rate lending opportunities.
Ask your AI about Pathfinder Bancorp's loan commitments outstanding with fixed interest rates.
Connect your AI assistant and compare it to peers, right in your chat.
