GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

PBHC · Jun 30, 2024

Pathfinder Bancorp, Inc.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000950170-24-097025Bank
Sequential deposit growth5thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-3.91% · CORE · VALID

Net-income growth35thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

0.91% · CORE · VALID

Interest-expense growth55thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

38.51% · CORE · VALID

Interest-income growth50thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

14.45% · CORE · VALID

Cash and equivalents15thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$31.8M · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History47 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
2.33%
Current
-3.91%
Delta
-6.24%
Earnings Growth Increased
Previous
-18.43%
Current
0.91%
Delta
19.34%
Funding Cost Growth Decreased
Previous
81.48%
Current
38.51%
Delta
-42.97%
Interest Income Growth Decreased
Previous
23.71%
Current
14.45%
Delta
-9.27%
Liquidity Increased
Previous
$29.2M
Current
$31.8M
Delta
$2.6M
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.