Pathfinder Bancorp Inc (PBHC) — Net Asset Quality Index
Pathfinder Bancorp Inc (PBHC) has a Net Asset Quality Index of 8.7% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $1.42 Billion minus total liabilities of $1.30 Billion yields net assets of $123.58 Million. A higher index indicates a stronger, lower-leverage balance sheet. See PBHC defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Quality Index
Net Assets
Total Assets
Total Liabilities
Pathfinder Bancorp Inc Net Asset Quality Index Over Time (1996–2025)
This chart shows how Pathfinder Bancorp Inc's Net Asset Quality Index has evolved across 30 annual periods from 1996 to 2025. As of March 2026, the index stands at 8.7%, representing net assets of $123.58 Million against total assets of $1.42 Billion USD. Explore Pathfinder Bancorp Inc cash conversion from operations to assess how effectively this company generates cash.
Annual Net Asset Quality Index for Pathfinder Bancorp Inc (1996–2025)
The table below presents the year-by-year Net Asset Quality Index for Pathfinder Bancorp Inc from 1996 to 2025, covering 30 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see market value of Pathfinder Bancorp Inc.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 8.5% | $120.97 Million | $1.43 Billion | $1.30 Billion | ▲ +0.3 pp |
| 2024 | 8.2% | $121.48 Million | $1.47 Billion | $1.35 Billion | ▲ +0.0 pp |
| 2023 | 8.2% | $120.26 Million | $1.47 Billion | $1.35 Billion | ▲ +0.2 pp |
| 2022 | 8.0% | $111.58 Million | $1.40 Billion | $1.29 Billion | ▼ -0.6 pp |
| 2021 | 8.6% | $110.63 Million | $1.29 Billion | $1.17 Billion | ▲ +0.6 pp |
| 2020 | 8.0% | $97.72 Million | $1.23 Billion | $1.13 Billion | ▼ -0.3 pp |
| 2019 | 8.3% | $90.67 Million | $1.09 Billion | $1.00 Billion | ▲ +1.4 pp |
| 2018 | 6.9% | $64.46 Million | $933.12 Million | $868.66 Million | ▼ -0.1 pp |
| 2017 | 7.0% | $61.72 Million | $881.26 Million | $819.53 Million | ▼ -0.7 pp |
| 2016 | 7.7% | $57.93 Million | $749.03 Million | $691.11 Million | ▼ -3.6 pp |
| 2015 | 11.4% | $70.81 Million | $623.25 Million | $552.45 Million | ▼ -0.9 pp |
| 2014 | 12.3% | $68.79 Million | $561.02 Million | $492.23 Million | ▲ +3.8 pp |
| 2013 | 8.5% | $42.71 Million | $503.79 Million | $461.08 Million | ▼ -0.1 pp |
| 2012 | 8.5% | $40.75 Million | $477.80 Million | $437.05 Million | ▼ 0.0 pp |
| 2011 | 8.5% | $37.84 Million | $442.98 Million | $405.14 Million | ▲ +1.1 pp |
| 2010 | 7.5% | $30.59 Million | $408.55 Million | $377.95 Million | ▼ -0.4 pp |
| 2009 | 7.9% | $29.24 Million | $371.69 Million | $342.45 Million | ▲ +2.3 pp |
| 2008 | 5.5% | $19.50 Million | $352.76 Million | $333.26 Million | ▼ -1.2 pp |
| 2007 | 6.8% | $21.70 Million | $320.69 Million | $298.99 Million | ▼ -0.2 pp |
| 2006 | 6.9% | $20.85 Million | $301.38 Million | $280.53 Million | ▼ -0.1 pp |
| 2005 | 7.0% | $20.93 Million | $296.95 Million | $276.02 Million | ▼ -0.2 pp |
| 2004 | 7.2% | $21.83 Million | $302.04 Million | $280.21 Million | ▼ -0.6 pp |
| 2003 | 7.8% | $21.78 Million | $277.94 Million | $256.16 Million | ▼ -0.5 pp |
| 2002 | 8.3% | $23.23 Million | $279.06 Million | $255.83 Million | ▼ -0.7 pp |
| 2001 | 9.0% | $22.04 Million | $244.37 Million | $222.33 Million | ▲ +0.2 pp |
| 2000 | 8.8% | $20.45 Million | $231.85 Million | $211.39 Million | ▼ -0.5 pp |
| 1999 | 9.3% | $20.10 Million | $216.30 Million | $196.20 Million | ▼ -1.7 pp |
| 1998 | 11.0% | $22.40 Million | $203.40 Million | $181.00 Million | ▼ -1.0 pp |
| 1997 | 12.0% | $23.55 Million | $196.77 Million | $173.22 Million | ▲ +0.7 pp |
| 1996 | 11.3% | $21.39 Million | $189.94 Million | $168.55 Million | — |