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

PBHC · Jun 30, 2026

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

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001193125-26-349125Bank
Sequential deposit growth30thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-3.09% · CORE · VALID

Net-income growth100thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

8506.45% · CORE · VALID

Interest-income growth10thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

-5.81% · CORE · VALID

Cash and equivalents5thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$26.1M · 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
Sep 30, 20216/6 normalizedLevel 3Dec 31, 20216/6 normalizedLevel 3Mar 31, 20226/6 normalizedLevel 3Jun 30, 20226/6 normalizedLevel 3Sep 30, 20226/6 normalizedLevel 3Dec 31, 20226/6 normalizedLevel 3Mar 31, 20236/6 normalizedLevel 3Jun 30, 20236/6 normalizedLevel 3Sep 30, 20236/6 normalizedLevel 3Dec 31, 20236/6 normalizedLevel 3Mar 31, 20246/6 normalizedLevel 3Jun 30, 20245/5 normalizedLevel 3Sep 30, 20244/4 normalizedLevel 3Dec 31, 20244/4 normalizedLevel 3Mar 31, 20254/4 normalizedLevel 3Jun 30, 20254/4 normalizedLevel 3Sep 30, 20253/3 normalizedLevel 3Dec 31, 20254/4 normalizedLevel 3Mar 31, 20264/4 normalizedLevel 3Jun 30, 20264/4 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
2.35%
Current
-3.09%
Delta
-5.45%
Earnings Growth Increased
Previous
-18.86%
Current
8506.45%
Delta
8525.32%
Interest Income Growth Increased
Previous
-9.97%
Current
-5.81%
Delta
4.17%
Liquidity Decreased
Previous
$39.2M
Current
$26.1M
Delta
-$13.1M
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.

Dec 31, 2021
Similarity
76%
Compared
4 dimensions
Coverage
100%
Liquidity 45.0 · Deposit Growth 0.0 · Earnings Growth 15.0 · Interest Income Growth 10.0
Mar 31, 2018
Similarity
70%
Compared
4 dimensions
Coverage
100%
Liquidity 30.7 · Deposit Growth 16.2 · Earnings Growth 0.0 · Interest Income Growth 50.0
Sep 30, 2025
Similarity
65%
Compared
3 dimensions
Coverage
75%
Liquidity 60.0 · Deposit Growth 5.0 · Interest Income Growth 10.0
Jun 30, 2021
Similarity
63%
Compared
4 dimensions
Coverage
100%
Liquidity 65.0 · Deposit Growth 20.0 · Earnings Growth 10.0 · Interest Income Growth 30.0
Dec 31, 2020
Similarity
62%
Compared
4 dimensions
Coverage
100%
Liquidity 75.0 · Deposit Growth 5.0 · Earnings Growth 10.0 · Interest Income Growth 5.0
Research Graph

Related governed research

Analogous To · PBHC state analogue 4 →Analogous To · PBHC state analogue 3 →Compared To · State Commercial Banks peers →Analogous To · PBHC state analogue 5 →Analogous To · PBHC state analogue 2 →Analogous To · PBHC state analogue 1 →Has State · Pathfinder Bancorp, Inc. →Transitioned To · PBHC Fundamental State →Transitioned To · PBHC DEPOSIT_GROWTH_DECREASED →Transitioned To · PBHC EARNINGS_GROWTH_INCREASED →Transitioned To · PBHC INTEREST_INCOME_GROWTH_INCREASED →Transitioned To · PBHC LIQUIDITY_DECREASED →

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.