Pathfinder Bancorp Inc Tangible Net Worth Ratio
Pathfinder Bancorp Inc tangible net worth ratio. Pathfinder Bancorp Inc (PBHC) has a Tangible Net Worth Ratio of 96.0% as of June 2026. This metric is calculated by deducting intangible assets ($5.05 Million) from net assets ($125.48 Million) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. Check PBHC strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Tangible Net Worth Ratio of Pathfinder Bancorp Inc (1996–2025)
Tangible net worth ratio of Pathfinder Bancorp Inc from 1996 to 2025. This chart shows how Pathfinder Bancorp Inc's Tangible Net Worth Ratio has changed across 30 annual periods from 1996 to 2025. As of June 2026, the ratio stands at 96.0%, reflecting net assets of $125.48 Million with intangible assets of $5.05 Million USD. See Pathfinder Bancorp Inc (PBHC) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Pathfinder Bancorp Inc Tangible Net Worth Ratio by Year (1996–2025)
Pathfinder Bancorp Inc tangible net worth ratio by year from 1996 to 2025. The table below presents the year-by-year Tangible Net Worth Ratio for Pathfinder Bancorp Inc from 1996 to 2025, covering 30 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For live market cap and overall valuation, see Pathfinder Bancorp Inc (PBHC) market capitalisation.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 95.6% | $120.97 Million | $5.36 Million | $1.43 Billion | ▲ +0.5 pp |
| 2024 | 95.1% | $121.48 Million | $5.99 Million | $1.47 Billion | ▼ -4.9 pp |
| 2023 | 99.9% | $120.26 Million | $85.00K | $1.47 Billion | ▲ +0.0 pp |
| 2022 | 99.9% | $111.58 Million | $101.00K | $1.40 Billion | ▲ +0.0 pp |
| 2021 | 99.9% | $110.63 Million | $117.00K | $1.29 Billion | ▲ +0.0 pp |
| 2020 | 99.9% | $97.72 Million | $133.00K | $1.23 Billion | ▲ +0.0 pp |
| 2019 | 99.8% | $90.67 Million | $149.00K | $1.09 Billion | ▲ +0.1 pp |
| 2018 | 99.7% | $64.46 Million | $165.00K | $933.12 Million | ▲ +0.0 pp |
| 2017 | 99.7% | $61.72 Million | $182.00K | $881.26 Million | ▲ +0.0 pp |
| 2016 | 99.7% | $57.93 Million | $198.00K | $749.03 Million | ▼ 0.0 pp |
| 2015 | 99.7% | $70.81 Million | $214.00K | $623.25 Million | ▼ 0.0 pp |
| 2014 | 99.7% | $68.79 Million | $175.00K | $561.02 Million | ▲ +0.2 pp |
| 2013 | 99.6% | $42.71 Million | $187.00K | $503.79 Million | ▼ -0.4 pp |
| 2012 | 100.0% | $40.75 Million | $2.00K | $477.80 Million | ▲ +10.1 pp |
| 2011 | 89.9% | $37.84 Million | $3.84 Million | $442.98 Million | ▲ +2.4 pp |
| 2010 | 87.4% | $30.59 Million | $3.84 Million | $408.55 Million | ▲ +0.6 pp |
| 2009 | 86.9% | $29.24 Million | $3.84 Million | $371.69 Million | ▲ +6.6 pp |
| 2008 | 80.3% | $19.50 Million | $3.84 Million | $352.76 Million | ▼ -2.0 pp |
| 2007 | 82.3% | $21.70 Million | $3.84 Million | $320.69 Million | ▲ +1.6 pp |
| 2006 | 80.7% | $20.85 Million | $4.02 Million | $301.38 Million | ▲ +1.0 pp |
| 2005 | 79.7% | $20.93 Million | $4.24 Million | $296.95 Million | ▼ -13.4 pp |
| 2004 | 93.1% | $21.83 Million | $1.50 Million | $302.04 Million | ▼ -1.0 pp |
| 2003 | 94.2% | $21.78 Million | $1.27 Million | $277.94 Million | ▼ -0.1 pp |
| 2002 | 94.3% | $23.23 Million | $1.33 Million | $279.06 Million | ▲ +0.9 pp |
| 2001 | 93.4% | $22.04 Million | $1.47 Million | $244.37 Million | ▲ +1.6 pp |
| 2000 | 91.8% | $20.45 Million | $1.68 Million | $231.85 Million | ▼ -1.2 pp |
| 1999 | 93.0% | $20.10 Million | $1.40 Million | $216.30 Million | ▼ -1.6 pp |
| 1998 | 94.6% | $22.40 Million | $1.20 Million | $203.40 Million | ▲ +0.8 pp |
| 1997 | 93.9% | $23.55 Million | $1.44 Million | $196.77 Million | ▲ +0.7 pp |
| 1996 | 93.1% | $21.39 Million | $1.47 Million | $189.94 Million | — |