Skip to content
Screener

Pathfinder Bancorp PBHC Loans And Leases Receivable Average Loan Balance

Loans And Leases Receivable Average Loan Balance at other companies

Coastal Financial logo
Coastal FinancialCCB
$1.5K+329%
ESQ
Esquire Financial Holdings, Inc.ESQ
$23.54M+21.0%
Financial Institutions logo
Financial InstitutionsFISI
-$31.95M+13.3%
Landmark Bancorp logo
Landmark BancorpLARK
$296K-30.5%
Coastal Financial logo
Coastal FinancialCCB
$43.5K
Zions Bancorporation logo
Zions BancorporationZION
$5.61B-1.6%

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$102.29M+15.5%
Enterprise value$108.09M-37.0%
P/S2.2×+0.5×

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:LoansAndLeasesReceivableAverageLoanBalance.

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
(Dollars in thousands)BalanceNumber of LoansAverage Loan BalanceMinimum/Maximum Loan BalanceAllowance for Credit LossesPercent of Total Loans
Vehicle10,019496202684421%
Consumer Secured22,8821,24818101,0093%
Consumer Unsecured28,0281,51618481,2353%
All Others1,8961,174265830%
Total Consumer Loans$112,6085,709$20$$575$3,47413%
Net deferred loan fees(1,340)-----
Allowance for credit losses(29,436)-----
Total Loans, net$867,2348,983$97$29,436100%

ITEM 8: FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Pathfinder Bancorp's loans and leases receivable average loan balance?
Pathfinder Bancorp (PBHC) reported loans and leases receivable average loan balance of $97K in Q4 2025.
What is the long-term trend for Pathfinder Bancorp's loans and leases receivable average loan balance?
Over 3 years (2022 to 2025), Pathfinder Bancorp's loans and leases receivable average loan balance has grown at a 0.7% compound annual growth rate (CAGR), from $95K to $97K.
What does loans and leases receivable average loan balance mean?
This metric calculates the average principal balance across all outstanding loans and leases. It is a key indicator of the bank's lending strategy, distinguishing between a focus on high-volume small-balance loans versus fewer, larger commercial exposures. Changes in this metric can signal shifts in the bank's target market or risk appetite.

Ask your AI about Pathfinder Bancorp's loans and leases receivable average loan balance.

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

Connect your AI
Harbor at dusk
Claude