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Pathfinder Bancorp PBHC Tier 1 Leverage Well-Capitalized Requirement

Tier 1 Leverage Well-Capitalized Requirement at other companies

SR Bancorp, Inc. logo
SR Bancorp, Inc.SRBK
$98.76M+5.6%
MainStreet Bancshares, Inc. logo
MainStreet Bancshares, Inc.MNSBP

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:TierOneLeverageCapitalRequiredToBeWellCapitalized.

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 tier 1 leverage well-capitalized requirement?
Pathfinder Bancorp (PBHC) reported tier 1 leverage well-capitalized requirement of $71.16M in Q4 2025.
How has Pathfinder Bancorp's tier 1 leverage well-capitalized requirement changed year-over-year?
Pathfinder Bancorp's tier 1 leverage well-capitalized requirement increased by 37.4% year-over-year, from $51.78M to $71.16M.
What is the long-term trend for Pathfinder Bancorp's tier 1 leverage well-capitalized requirement?
Over 5 years (2020 to 2025), Pathfinder Bancorp's tier 1 leverage well-capitalized requirement has grown at a 3.3% compound annual growth rate (CAGR), from $60.39M to $71.16M.
What does tier 1 leverage well-capitalized requirement mean?
This metric defines the minimum Tier 1 leverage capital threshold required for a bank to be designated as well-capitalized under regulatory frameworks. It provides a clear benchmark for the capital level needed to achieve the highest regulatory status for leverage. It is a key indicator of the bank's ability to manage its balance sheet size relative to its core capital.