UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): ~~July~~September 3029, 2025

(Exact name of Registrant as specified in its charter)

Commission File Number: 001-36695


Maryland	38-3941859
(State or Other Jurisdiction of Incorporation or Organization)	(I.R.S. Employer Identification Number)

214 West First Street, Oswego, NY 13126

(Address of Principal Executive Office) (Zip Code)

(315) 343-0057

(Issuer's Telephone Number including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:


☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.01 par value	PBHC	The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

      
     Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

~~Section~~Item 28.01 – ~~Financial~~Other ~~Information~~Events

~~Item~~On ~~2.02~~September –29, ~~Results~~2025, the Company announced that its Board of ~~Operations~~Directors declared a quarterly cash dividend of $0.10 per voting common and ~~Financial~~non-voting ~~Condition~~common share and a cash dividend of $0.10 per notional share for the issued warrant. The dividend is payable on November 7, 2025 to shareholders of record on October 17, 2025.

OnItem ~~July 30, 2025, Pathfinder Bancorp, Inc~~9.01 ~~issued~~– aFinancial ~~press~~Statements ~~release~~and ~~disclosing its second quarter 2025 financial results. A copy of the press release is included as Exhibit 99.1 to this report.~~Exhibits

The information in Item 2.02 to this Form 8-K and Exhibit 99.1 shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, except as shall be expressly set forth in such filing.


Exhibit No.		Description
99.1		Press Release dated September 29, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

Item 9.01 – Financial Statements and Results

Exhibit No.		Description
99.1		Press Release dated July 30, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

			PATHFINDER BANCORP, INC.
Date:	~~July~~September 3029, 2025	By:	/s/ James A. Dowd
			James A. Dowd
			James A. DowdPresident and Chief Executive Officer
			President and Chief Executive Officer

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