Pathfinder Bancorp is the holding company for Pathfinder Bank, a community bank serving individuals, small to mid-size businesses, and municipalities in Central New York, primarily across Oswego County and Onondaga County (the Syracuse metro area) through 13 branch offices. Pathfinder Bank operates as a traditional spread lender, earning net interest income on the difference between yields on loans and investments and the cost of its deposit and borrowed funding. The Bank's core lending products are commercial real estate and commercial business loans, which are its primary growth focus given their adjustable rates and higher yields, alongside one-to-four family residential mortgages, home equity loans, municipal loans, and consumer loans. The Bank funds its balance sheet primarily through local core deposits from consumers, businesses, and municipalities, supplemented by brokered deposits and FHLB borrowings. Pathfinder Bank also periodically purchases pools of third-party-originated consumer loans outside its market area to supplement yield and manage its asset/liability mix. The Bank's growth strategy centers on expanding commercial real estate and commercial business lending to small businesses, targeting loan sizes of $500K to $2M — a deliberate shift to improve net interest income and reduce interest rate risk relative to a portfolio weighted toward fixed-rate residential mortgages. Pathfinder Bank uses interest rate derivatives to manage residual rate exposure. As of December 31, 2025, Pathfinder Bank had $1.43B in total assets.