Pathfinder Bank: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
On its Q2 2026 filing, Pathfinder Bank reported 8 of the 9 line items on this page. It did not report foreign exchange derivatives, notional. Unused loan commitments was $26.3M in Q2 2026, down 3.4% from $27.2M in Q2 2025. That is 1.8% of its total assets. Across the 12 quarters shown it ranged from $19.9M (Q1 2024) to $27.7M (Q4 2025).
What the off-balance-sheet exposure page covers and where each line comes from.
Letters of credit dropped 8.3% in Q2 2026, from $3.5M to $3.2M. It was the largest change from Q1 2026 among the key lines here.
Commitments
| Line item | Q2 2026 |
|---|---|
| Unused loan commitments | $26.3M |
| Letters of credit | $3.2M |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Derivatives
| Line item | Q2 2026 |
|---|---|
| Total derivatives, notional | $98.0M |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | — |
| Derivatives notional to total assets | 6.60% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Trading positions
| Line item | Q2 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Source: Call Report Schedules RC-L and RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Off-Balance-Sheet Exposure trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused commitments | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q3 2023 | $20.1M | $1.8M | 8.10% |
| Q4 2023 | $20.2M | $1.7M | 9.75% |
| Q1 2024 | $19.9M | $1.8M | 9.71% |
| Q2 2024 | $20.6M | $2.3M | 6.80% |
| Q3 2024 | $21.4M | $2.2M | 6.09% |
| Q4 2024 | $22.4M | $2.4M | 6.25% |
| Q1 2025 | $22.9M | $2.5M | 7.47% |
| Q2 2025 | $27.2M | $2.9M | 7.51% |
| Q3 2025 | $27.0M | $3.0M | 7.42% |
| Q4 2025 | $27.7M | $3.4M | 7.41% |
| Q1 2026 | $27.7M | $3.5M | 7.17% |
| Q2 2026 | $26.3M | $3.2M | 6.60% |
Pathfinder Bank off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, 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)