Pathfinder Bank: Loan Modifications and Restructuring
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Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Pathfinder Bank reported all 8 line items on this page on its Q2 2026 filing. Modified loans and leases was $1.3M in Q2 2026, down 89.6% from $12.9M in Q2 2025. That is 0.1% of its total assets. Across the 12 quarters shown it ranged from $1.3M (Q2 2026) to $13.5M (Q4 2025).
What the loan modifications and restructuring page covers and where each line comes from.
The standout move of Q2 2026 was in Modified loans and leases: 88.4% lower than in Q1 2026, at $1.3M.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $1.3M |
| Modified loans to total loans | 0.15% |
| Non-performing assets excluding restructured loans, to assets | 2.83% |
Source: Call Report Schedules RC-C Memoranda and RC-N. Open the filed call report for Q2 2026 on the FFIEC CDR.
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 4.69% |
| Nonaccrual loans to loans | 4.69% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 0.83% |
| Allowance for credit losses to loans | 3.01% |
Shown side by side so the modified share can be compared with recognized non-performing loans and with what has already been charged off.
Source: Call Report Schedules RC-C Memoranda and RC-N. Open the filed call report for Q2 2026 on the FFIEC CDR.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.33% | 1.80% | 1.71% |
| Q4 2023 | 0.24% | 1.92% | 0.05% |
| Q1 2024 | 0.28% | 2.20% | 0.01% |
| Q2 2024 | 0.25% | 2.76% | 0.03% |
| Q3 2024 | 0.24% | 1.75% | 3.81% |
| Q4 2024 | 0.20% | 2.40% | 0.44% |
| Q1 2025 | 0.19% | 1.45% | 0.15% |
| Q2 2025 | 1.41% | 1.28% | 1.14% |
| Q3 2025 | 1.48% | 2.59% | 0.30% |
| Q4 2025 | 1.49% | 3.05% | 0.27% |
| Q1 2026 | 1.28% | 4.86% | 0.13% |
| Q2 2026 | 0.15% | 4.69% | 0.83% |
Pathfinder Bank loan modifications and restructuring, quarter by quarter
Loan Modifications and Restructuring since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, Q2 2026. How these pages are built. See the full Pathfinder Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57497) · FFIEC NIC profile (RSSD 729310)