PART I - FINANCIAL INFORMATION [Item 1. Consolidated Financial Statements (Unaudited)](index=3&type=section&id=Item%201.%20Consolidated%20Financial%20Statements%20%28Unaudited%29) This section presents Pathfinder Bancorp's unaudited consolidated financial statements, highlighting asset growth to $1.40 billion and a Q3 2022 net income decrease to $3.2 million [Consolidated Statements of Condition](index=3&type=section&id=Consolidated%20Statements%20of%20Condition) Total assets increased to $1.40 billion driven by loan and securities growth, while shareholders' equity decreased to $107.3 million due to unrealized losses on available-for-sale securities Consolidated Balance Sheet Highlights (in thousands) | Account | September 30, 2022 | December 31, 2021 | | :--- | :--- | :--- | | **Total Assets** | **$1,396,946** | **$1,285,177** | | Total cash and cash equivalents | $44,454 | $37,149 | | Total securities | $392,354 | $355,427 | | Loans receivable, net | $872,574 | $819,524 | | **Total Liabilities** | **$1,289,151** | **$1,174,544** | | Total deposits | $1,180,583 | $1,055,346 | | Total borrowings | $95,310 | $106,661 | | **Total Shareholders' Equity** | **$107,301** | **$110,287** | | Accumulated other comprehensive loss | $(12,565) | $(1,268) | [Consolidated Statements of Income](index=4&type=section&id=Consolidated%20Statements%20of%20Income) Q3 2022 net income decreased to $3.2 million due to higher loan loss provisions, while nine-month net income increased to $9.4 million driven by higher net interest income Key Income Statement Data (in thousands, except per share data) | Metric | Q3 2022 | Q3 2021 | Nine Months 2022 | Nine Months 2021 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $10,780 | $9,791 | $30,224 | $28,566 | | Provision for loan losses | $710 | $104 | $871 | $2,061 | | Noninterest Income | $1,161 | $1,546 | $4,060 | $4,825 | | Noninterest Expense | $7,267 | $6,823 | $21,665 | $20,304 | | **Net Income Attributable to Pathfinder** | **$3,180** | **$3,365** | **$9,402** | **$8,528** | | Basic and Diluted EPS | $0.52 | $0.56 | $1.55 | $1.43 | [Consolidated Statements of Comprehensive Income (Loss)](index=5&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income%20%28Loss%29) The company reported a comprehensive income of $26,000 for Q3 2022 and a comprehensive loss of $1.8 million for the nine months, primarily due to significant unrealized losses on available-for-sale securities Comprehensive Income (Loss) Summary (in thousands) | Metric | Q3 2022 | Q3 2021 | Nine Months 2022 | Nine Months 2021 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $3,192 | $3,405 | $9,475 | $8,621 | | Other Comprehensive (Loss) Income, net of tax | $(3,166) | $(156) | $(11,297) | $845 | | *Unrealized (losses) gains on AFS securities* | *$(4,402)* | *$(504)* | *$(16,382)* | *$459* | | **Comprehensive Income (Loss)** | **$26** | **$3,249** | **$(1,822)** | **$9,466** | [Consolidated Statements of Changes in Shareholders' Equity](index=6&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Shareholders%27%20Equity) Shareholders' equity decreased by $2.8 million to $107.8 million for the nine months, primarily due to an $11.3 million other comprehensive loss, partially offset by net income - Shareholders' equity decreased by **$2.8 million** in the first nine months of 2022, from **$110.6 million** to **$107.8 million**[21](index=21&type=chunk) - The primary driver of the equity decrease was an **$11.3 million** other comprehensive loss, net of tax, which was partially offset by **$9.4 million** in net income[21](index=21&type=chunk) - The company declared dividends of **$0.27 per share** on both voting and non-voting common stock during the nine-month period[21](index=21&type=chunk) [Consolidated Statements of Cash Flows](index=8&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and cash equivalents increased by $7.3 million for the nine months, with operating cash inflows offset by significant investing outflows funded by financing activities, primarily brokered deposits Cash Flow Summary (Nine Months Ended Sep 30, in thousands) | Activity | 2022 | 2021 | | :--- | :--- | :--- | | Net cash from operating activities | $12,152 | $15,707 | | Net cash from investing activities | $(117,358) | $(8,409) | | Net cash from financing activities | $112,511 | $24,479 | | **Net change in cash and cash equivalents** | **$7,305** | **$31,777** | - Investing activities included net purchases of available-for-sale and held-to-maturity securities totaling **$73.0 million** and a net increase in loans of **$54.6 million**[24](index=24&type=chunk) - Financing activities were dominated by a **$145.1 million** net increase in brokered deposits, which funded investment activities and repayments of other liabilities[24](index=24&type=chunk) [Notes to Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) The notes provide detailed explanations of the company's accounting policies and financial items, including CECL adoption, securities valuation, loan portfolio, nonperforming loans, and the allowance for loan losses - The company will adopt the new Current Expected Credit Loss (CECL) standard on **January 1, 2023**, which is expected to increase the allowance for credit losses[32](index=32&type=chunk)[33](index=33&type=chunk) - The available-for-sale securities portfolio had gross unrealized losses of **$16.6 million** as of **September 30, 2022**, primarily due to rising interest rates[60](index=60&type=chunk)[65](index=65&type=chunk)[67](index=67&type=chunk) - Nonaccrual loans increased to **$10.6 million** at **September 30, 2022**, from **$8.3 million** at year-end 2021, largely due to the downgrade of a single large commercial borrower relationship[91](index=91&type=chunk)[92](index=92&type=chunk) - The allowance for loan losses stood at **$13.6 million**, or **1.54%** of total loans, as of **September 30, 2022**[108](index=108&type=chunk)[260](index=260&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations (Unaudited)](index=47&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations%20%28Unaudited%29) Management discusses the company's financial performance and condition, highlighting Q3 net income decrease due to higher loan loss provision, asset growth to $1.40 billion, and adequate capital levels [Overview and Results of Operations](index=51&type=section&id=Overview%20and%20Results%20of%20Operations) Q3 2022 net income decreased by 5.5% to $3.2 million due to a higher loan loss provision, while nine-month net income increased 10.2% to $9.4 million Q3 2022 vs Q3 2021 Performance Highlights | Metric | Q3 2022 | Change from Q3 2021 | | :--- | :--- | :--- | | Net Income | $3.2 million | ▼ 5.50% | | Basic & Diluted EPS | $0.52 | ▼ $0.04 | | Net Interest Income (after provision) | $10.1 million | ▲ 4.0% | | Provision for Loan Losses | $710,000 | ▲ $606,000 | Nine Months 2022 vs 2021 Performance Highlights | Metric | Nine Months 2022 | Change from 2021 | | :--- | :--- | :--- | | Net Income | $9.4 million | ▲ 10.2% | | Basic & Diluted EPS | $1.55 | ▲ $0.12 | | Net Interest Income (after provision) | $29.4 million | ▲ 10.8% | [Net Interest Income](index=54&type=section&id=Net%20Interest%20Income) Net interest income for Q3 2022 increased 10.1% to $10.8 million due to higher asset volumes and yields, while the nine-month period saw a $1.7 million increase to $30.2 million Net Interest Margin Analysis | Period | Net Interest Margin | Net Interest Rate Spread | Change in Net Interest Income (YoY) | | :--- | :--- | :--- | :--- | | **Q3 2022** | 3.32% | 3.14% | +$989,000 | | **Q3 2021** | 3.31% | 3.15% | N/A | | **Nine Months 2022** | 3.18% | 3.02% | +$1,658,000 | | **Nine Months 2021** | 3.19% | 3.03% | N/A | - The increase in Q3 net interest income was primarily driven by higher volume of interest-earning assets (**+$2.1 million** impact), partially offset by rate compression (**-$0.8 million** impact)[221](index=221&type=chunk) [Changes in Financial Condition](index=62&type=section&id=Changes%20in%20Financial%20Condition) Total assets grew by $111.8 million to $1.40 billion, primarily from loan and securities growth funded by deposits, while shareholders' equity decreased due to unrealized losses on AFS securities - Total assets increased by **$111.8 million** (**8.7%**) to **$1.40 billion** since year-end 2021[241](index=241&type=chunk) - Deposits increased by **$125.2 million** (**11.9%**), with interest-bearing deposits, particularly brokered time deposits, driving the growth[244](index=244&type=chunk) - Shareholders' equity declined by **$3.0 million**, primarily due to a **$15.2 million** pre-tax decline in the fair value of the available-for-sale investment portfolio, resulting in an **$11.3 million** after-tax increase in accumulated other comprehensive loss[246](index=246&type=chunk)[247](index=247&type=chunk) [Capital](index=62&type=section&id=Capital) Pathfinder Bank remains a 'well-capitalized' institution as of September 30, 2022, with all capital ratios significantly exceeding minimum regulatory requirements Pathfinder Bank Capital Ratios (September 30, 2022) | Ratio | Actual | Minimum to be "Well-Capitalized" | | :--- | :--- | :--- | | Total Core Capital (to Risk-Weighted Assets) | 14.69% | 10.00% | | Tier 1 Capital (to Risk-Weighted Assets) | 13.44% | 8.00% | | Tier 1 Common Equity (to Risk-Weighted Assets) | 13.44% | 6.50% | | Tier 1 Capital (to Assets) | 9.48% | 5.00% | [Loan and Asset Quality and Allowance for Loan Losses](index=64&type=section&id=Loan%20and%20Asset%20Quality%20and%20Allowance%20for%20Loan%20Losses) Nonperforming assets increased to $10.8 million due to a single commercial relationship, but the allowance for loan losses at $13.6 million is deemed adequate Nonperforming Assets (in thousands) | Metric | Sep 30, 2022 | Dec 31, 2021 | | :--- | :--- | :--- | | Total nonaccrual loans | $10,625 | $8,292 | | Foreclosed real estate | $221 | $0 | | **Total nonperforming assets** | **$10,846** | **$8,292** | | Nonperforming loans to total loans | 1.22% | 1.00% | | Nonperforming assets to total assets | 0.78% | 0.65% | - The increase in nonperforming loans was primarily due to one large commercial real estate and commercial loan relationship with a total outstanding amount of **$7.2 million**, of which **$1.8 million** was placed on nonaccrual[258](index=258&type=chunk) - The allowance for loan losses was **$13.6 million**, or **1.54%** of total loans, at **September 30, 2022**[260](index=260&type=chunk) [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=67&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) As a smaller reporting company, Pathfinder Bancorp, Inc. is not required to provide market risk disclosures - As a smaller reporting company, Pathfinder Bancorp, Inc. is not required to provide quantitative and qualitative disclosures about market risk[275](index=275&type=chunk) [Item 4. Controls and Procedures](index=67&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that the company's disclosure controls and procedures were effective as of September 30, 2022, with no material changes to internal controls - The CEO and CFO concluded that the company's disclosure controls and procedures were effective as of **September 30, 2022**[277](index=277&type=chunk) - No changes were made during the quarter that materially affected, or are reasonably likely to materially affect, the company's internal control over financial reporting[278](index=278&type=chunk) PART II - OTHER INFORMATION [Item 1. Legal Proceedings](index=68&type=section&id=Item%201.%20Legal%20Proceedings) As of September 30, 2022, the company is not a party to any material legal proceedings that would adversely affect its financial condition - The Company is not currently a named party in any material legal proceedings[280](index=280&type=chunk) [Item 1A. Risk Factor](index=68&type=section&id=Item%201A.%20Risk%20Factor) As a smaller reporting company, Pathfinder Bancorp, Inc. is not required to provide risk factor disclosures - Disclosure for this item is not required as the company is a smaller reporting company[281](index=281&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=68&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company did not repurchase any shares during Q3 2022, with 74,292 shares remaining available for purchase under an existing plan - No shares were repurchased in the three months ended **September 30, 2022**[282](index=282&type=chunk) - The maximum number of shares that may yet be purchased under the existing plan is **74,292**[282](index=282&type=chunk) [Item 3. Defaults upon Senior Securities](index=68&type=section&id=Item%203.%20Defaults%20upon%20Senior%20Securities) There were no defaults upon senior securities during the reporting period - None[283](index=283&type=chunk) [Item 6. Exhibits](index=68&type=section&id=Item%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including CEO/CFO certifications and Interactive Data Files in iXBRL format - Filed exhibits include Rule 13a-14(a)/15d-14(a) certifications for the CEO and CFO, Section 1350 certifications, and iXBRL data files[283](index=283&type=chunk)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ (Exact Name of Company as Specified in its Charter) Maryland (State of Other Jurisdiction of Incorporation) 001-36695 (Commission File No.) 38-3941859 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ (Exact Name of Company as Specified in its Charter) Maryland (State of Other Jurisdiction of Incorporation) 001-36695 (Commission File No.) 38-3941859 ...

PART I [Business](index=4&type=section&id=Item%201.%20Business) Pathfinder Bancorp, Inc. operates as a bank holding company through Pathfinder Bank, focusing on commercial and residential lending and deposit gathering in New York, with **$1.29 billion** in consolidated assets as of December 31, 2021 Consolidated Financial Highlights (as of December 31, 2021) | Metric | Value (in millions) | | :--- | :--- | | Total Consolidated Assets | $1,290 | | Total Deposits | $1,060 | | Shareholders' Equity | $110.3 | - The Bank's primary business involves attracting public deposits to fund a loan portfolio concentrated in commercial real estate, residential real estate, and commercial business loans, also investing in various government and corporate debt securities[20](index=20&type=chunk) - The company operates through ten branch offices, primarily serving Oswego and Onondaga Counties in New York, with a dominant deposit market share of **45.0%** in Oswego County as of June 30, 2021[37](index=37&type=chunk)[42](index=42&type=chunk) - The company has strategically shifted its focus to increase commercial real estate and commercial business lending to diversify its loan portfolio and reduce interest rate sensitivity[43](index=43&type=chunk) - As of December 31, 2021, the company employed **173 team members**, with approximately **74%** being women, emphasizing a strong workplace culture grounded in its stated mission and values[24](index=24&type=chunk)[26](index=26&type=chunk) [Risk Factors](index=28&type=section&id=Item%201A.%20Risk%20Factors) As a smaller reporting company, Pathfinder Bancorp, Inc. is not required to provide a detailed list of risk factors in this section - As a smaller reporting company, Pathfinder Bancorp, Inc. is not required to provide a detailed list of risk factors in this section[184](index=184&type=chunk) [Unresolved Staff Comments](index=28&type=section&id=Item%201B.%20Unresolved%20Staff%20Comments) The company reports no unresolved comments from the SEC staff - There are no unresolved staff comments as of the filing date[185](index=185&type=chunk) [Properties](index=28&type=section&id=Item%202.%20Properties) The company operates eleven offices across three counties, with premises and equipment valued at **$21.7 million** as of December 31, 2021, comprising owned and leased locations - The aggregate net book value of the Bank's premises and equipment was **$21.7 million** at December 31, 2021[187](index=187&type=chunk) Office Locations and Ownership Status | County | Number of Offices | Ownership Status | | :--- | :--- | :--- | | Oswego | 7 | Mostly Owned | | Onondaga | 3 | Mix of Owned and Leased | | Oneida | 1 | Leased (Loan Production Office) | [Legal Proceedings](index=30&type=section&id=Item%203.%20Legal%20Proceedings) The company is involved in routine legal proceedings, primarily foreclosures, which management does not expect to materially impact its financial condition or operations - Management asserts that ongoing legal claims and lawsuits are not expected to materially impact the Company's consolidated financial condition[190](index=190&type=chunk) [Mine Safety Disclosure](index=30&type=section&id=Item%204.%20Mine%20Safety%20Disclosure) This section on mine safety disclosures is not applicable to the company's operations - Mine safety disclosures are not applicable to the company's operations[191](index=191&type=chunk) PART II [Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities](index=30&type=section&id=Item%205.%20Market%20for%20Registrant's%20Common%20Equity%2C%20Related%20Stockholder%20Matters%20and%20Issuer%20Purchases%20of%20Equity%20Securities) The company's common stock trades on NASDAQ under "PBHC," with **322 shareholders** as of March 22, 2022, and a history of regular quarterly cash dividends - The company's common stock trades on the NASDAQ Capital Market under the symbol "PBHC"[192](index=192&type=chunk) - No shares of common stock were repurchased during the fourth quarter of 2021[193](index=193&type=chunk) Equity Compensation Plan Information (as of Dec 31, 2021) | Plan Category | Securities to be issued upon exercise | Weighted-average exercise price | Securities remaining for future issuance | | :--- | :--- | :--- | :--- | | Approved by security holders | 264,270 | $10.98 | 4,382 | [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=31&type=section&id=Item%207.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) For 2021, net income increased **78.5% to $12.4 million**, driven by higher net interest income and lower loan loss provisions, with total assets growing to **$1.29 billion** and improved credit quality Key Performance Metrics (2021 vs. 2020) | Metric | 2021 | 2020 | | :--- | :--- | :--- | | Net Income | $12.4 million | $7.0 million | | Diluted EPS | $2.07 | $1.17 | | Return on Average Assets | 0.98% | 0.60% | | Return on Average Equity | 11.91% | 7.43% | | Net Interest Margin | 3.21% | 2.88% | - The significant increase in net income was primarily due to a **21.0%** increase in net interest income and a **$3.7 million** decrease in the provision for loan losses, reflecting improved credit quality and economic conditions[248](index=248&type=chunk)[249](index=249&type=chunk)[250](index=250&type=chunk) - Total assets increased by **$57.7 million (4.7%)** to **$1.29 billion**, mainly driven by growth in investment securities and loans, funded by a **$59.4 million** increase in deposits[255](index=255&type=chunk) - Credit quality showed significant improvement, with nonperforming loans as a percentage of total loans decreasing from **2.58%** at year-end 2020 to **1.00%** at year-end 2021[256](index=256&type=chunk) - The Bank participated in the Paycheck Protection Program (PPP), originating **1,177 loans** totaling **$111.7 million** since inception, with **$19.3 million** in PPP loans remaining outstanding as of year-end 2021[51](index=51&type=chunk)[237](index=237&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=65&type=section&id=Item%207A.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) As a smaller reporting company, Pathfinder Bancorp, Inc. is not required to provide quantitative and qualitative disclosures about market risk - As a smaller reporting company, Pathfinder Bancorp, Inc. is not required to provide quantitative and qualitative disclosures about market risk[360](index=360&type=chunk) [Financial Statements and Supplementary Data](index=66&type=section&id=Item%208.%20Financial%20Statements%20and%20Supplementary%20Data) This section presents consolidated financial statements, an unqualified auditor's opinion, and management's effective internal control report, noting critical audit matters related to loan losses and loans - The independent auditor, Bonadio & Co., LLP, issued an unqualified opinion on the consolidated financial statements[372](index=372&type=chunk) - Management concluded that the company's internal control over financial reporting was effective as of December 31, 2021[364](index=364&type=chunk) - The auditor identified two critical audit matters: the allowance for loan losses, due to subjective judgments in qualitative adjustments, and the accounting for loans, due to material weaknesses that existed for a portion of the year[377](index=377&type=chunk)[380](index=380&type=chunk)[381](index=381&type=chunk) Consolidated Balance Sheet Highlights (in thousands) | Account | Dec 31, 2021 | Dec 31, 2020 | | :--- | :--- | :--- | | **Assets** | | | | Total Cash and Cash Equivalents | $37,149 | $43,464 | | Loans Receivable, Net | $819,524 | $812,718 | | Total Investment Securities | $352,198 | $301,335 | | **Total Assets** | **$1,285,177** | **$1,227,443** | | **Liabilities & Equity** | | | | Total Deposits | $1,055,346 | $995,907 | | Total Borrowings & Subordinated Loans | $106,661 | $121,450 | | **Total Shareholders' Equity** | **$110,633** | **$97,722** | [Changes In and Disagreements With Accountants on Accounting and Financial Disclosure](index=143&type=section&id=Item%209.%20Changes%20In%20and%20Disagreements%20With%20Accountants%20on%20Accounting%20and%20Financial%20Disclosure) The company reports no changes in or disagreements with its accountants regarding accounting and financial disclosure - There were no disagreements with accountants on accounting and financial disclosure[691](index=691&type=chunk) [Controls and Procedures](index=143&type=section&id=Item%209A.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective as of December 31, 2021, having remediated a material weakness identified in the prior year - The CEO and CFO concluded that disclosure controls and procedures were effective as of December 31, 2021[693](index=693&type=chunk) - A material weakness identified in the 2020 Form 10-K related to related party transactions and loan controls has been remediated as of December 31, 2021[694](index=694&type=chunk)[696](index=696&type=chunk)[697](index=697&type=chunk) [Other Information](index=144&type=section&id=Item%209B.%20Other%20Information) The company reports no other information in this section - There is no other information to report[699](index=699&type=chunk) PART III [Directors, Executive Officers, Corporate Governance, Executive Compensation, and Related Matters](index=144&type=section&id=Item%2010-14) Information for Items 10 through 14, covering directors, executive officers, corporate governance, and related matters, is incorporated by reference from the 2022 Proxy Statement - Information for Items 10, 11, 12, 13, and 14 is incorporated by reference from the company's Proxy Statement for the 2022 Annual Meeting of Shareholders[702](index=702&type=chunk)[703](index=703&type=chunk)[704](index=704&type=chunk)[705](index=705&type=chunk) PART IV [Exhibits and Financial Statement Schedules](index=146&type=section&id=Item%2015.%20Exhibits%20and%20Financial%20Statement%20Schedules) This section lists financial statements and exhibits filed with the Form 10-K, with schedules omitted as information is either inapplicable or included elsewhere - The consolidated financial statements for 2021 and 2020 are filed as part of this report[708](index=708&type=chunk) - All financial statement schedules were omitted because the information was inapplicable or included in the MD&A section[708](index=708&type=chunk) [Form 10-K Summary](index=148&type=section&id=Item%2016.%20Form%2010-K%20Summary) The company did not provide a Form 10-K summary - No Form 10-K summary is provided[710](index=710&type=chunk)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 001-36695 (Commission File No.) 38-3941859 (I.R.S. Employer Identification No.) 214 West First Street, Oswego, NY 13126 (Address of Principal Executive Office) (Zip Code) (315) 343-0057 (Issuer's Telephone Number including area code) For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) O ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ (Exact Name of Company as Specified in its Charter) Maryland (State of Other Jurisdiction of Incorporation) 001-36695 (Commission Fil ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ (Exact Name of Company as Specified in its Charter) Maryland (State of Other Jurisdiction of Incorporation) 001-36695 (Commission File No.) 38-3941859 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission File No. 001-36695 PATHFINDER BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland 38-3941859 (State or other jurisdict ...