Overview

* Pathfinder Q3 net income rises to $626,000 from $31,000 in Q2 2025

* Net interest income increases to $11.6 mln, driven by higher interest and dividend income

* Total deposits grow to $1.23 bln, offsetting loan declines

Outlook

* Pathfinder expects to complete a comprehensive loan portfolio review by year-end 2025

* Company aims to reduce credit cost volatility in 2026 and beyond

Result Drivers

* CREDIT RISK MANAGEMENT - Co increased provision expense to $3.5 mln to mitigate credit risk and enhance asset quality

* CORE DEPOSIT GROWTH - Total deposits grew to $1.23 bln, driven by increases in core deposits

* INTEREST INCOME INCREASE - Net interest income rose to $11.6 mln due to higher yields on interest-earning assets

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Loan $18.70

Loss mln

Provisio

n

Q3 Net 3.34%

Interest

Margin

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)