Pathfinder Bancorp Q3 net income $626,000, or $0.10 per share.

• Pathfinder Bancorp reports Q3 2025 net income of $626,000, or $0.10 per diluted share. • Results reflect efforts to mitigate credit risk and enhance asset quality metrics. • Core deposit franchise growth, deliberate liability pricing, and net interest margin resilience. • Operating expense discipline also contributed to the results. • Pathfinder Bank is the holding company for Pathfinder Bancorp.