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Amortizatization of IntangiblesBeginning Cash BalanceCapital ExpendituresCash from Financing ActivitiesCash from Investing ActivitiesCash from OperationsChange in Acquisitions & DivestmentsChange in CashChange in Interest ReceivablesChange in LoansChange in Net LoansDepreciation & Amortization (CF)Depreciation and DepletionDividends Paid - CommonFree Cash FlowGains from Investment SecuritiesLong-Term Debt IssuancesLong-Term Debt RepaymentsNet Cash FlowNet IncomeOther financing activitiesShare-based CompensationShares IssuedShort-Term Debt issuances
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Pathfinder Bancorp (PBHC) Change in Net Loans: 2017-2025

Historic Change in Net Loans for Pathfinder Bancorp (PBHC) over the last 9 years, with Sep 2025 value amounting to -$10.4 million.

  • Pathfinder Bancorp's Change in Net Loans fell 124.62% to -$10.4 million in Q3 2025 from the same period last year, while for Sep 2025 it was -$15.6 million, marking a year-over-year decrease of 145.42%. This contributed to the annual value of $31.2 million for FY2024, which is 1642.75% up from last year.
  • According to the latest figures from Q3 2025, Pathfinder Bancorp's Change in Net Loans is -$10.4 million, which was down 392.88% from $3.6 million recorded in Q2 2025.
  • In the past 5 years, Pathfinder Bancorp's Change in Net Loans registered a high of $44.7 million during Q4 2021, and its lowest value of -$45.6 million during Q3 2021.
  • Its 3-year average for Change in Net Loans is $1.8 million, with a median of -$2.1 million in 2024.
  • Examining YoY changes over the last 5 years, Pathfinder Bancorp's Change in Net Loans showed a top increase of 686.33% in 2021 and a maximum decrease of 426.91% in 2021.
  • Quarterly analysis of 5 years shows Pathfinder Bancorp's Change in Net Loans stood at $44.7 million in 2021, then tumbled by 73.75% to $11.7 million in 2022, then crashed by 91.01% to $1.1 million in 2023, then slumped by 296.02% to -$2.1 million in 2024, then tumbled by 124.62% to -$10.4 million in 2025.
  • Its Change in Net Loans was -$10.4 million in Q3 2025, compared to $3.6 million in Q2 2025 and -$6.7 million in Q1 2025.