What does land — loans and lease receivable allowance mean?

This metric represents the specific reserve set aside by the bank to cover estimated credit losses within the land lending portfolio. It reflects management's assessment of the credit risk and potential for default associated with land-secured assets. An adequate allowance is critical for maintaining balance sheet stability against potential economic downturns in the real estate market.

Pathfinder Bancorp PBHC Land — Loans And Lease Receivable Allowance

Similar metrics at other companies

NWFLAllowance For Loan And Lease Losses Real Estate

$19.88M+0.2%

PBLoans And Lease Receivable Allowance

$383.84M+10.0%

ESQ

ESQLoans Receivable Allowance For Loan Losses

$23.54M+21.0%

FFINLoans And Lease Receivable Allowance

$107.92M+6.8%

SBFGAllowance For Loan And Lease Losses Real Estate

$87K-14.7%

SFSTReal Estate — Allowance For Loan And Lease Losses Real Estate

$6.32M+162%

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+10.1%

Enterprise value$105.15M-38.8%

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 pbhc:LoansAndLeaseReceivableAllowance.

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 land — loans and lease receivable allowance?: Pathfinder Bancorp (PBHC) reported land — loans and lease receivable allowance of $184K in Q4 2025.
What does land — loans and lease receivable allowance mean?: This metric represents the specific reserve set aside by the bank to cover estimated credit losses within the land lending portfolio. It reflects management's assessment of the credit risk and potential for default associated with land-secured assets. An adequate allowance is critical for maintaining balance sheet stability against potential economic downturns in the real estate market.