Pathfinder Bancorp annual debt-to-assets ratio
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2025
Pathfinder Bancorp Debt-to-Assets Ratio Growth & History (PBHC)
Pathfinder Bancorp's debt-to-assets ratio was 0.05 for fiscal 2025.
View full Pathfinder Bancorp company overviewPathfinder Bancorp annual debt-to-assets ratio history
| Fiscal year | Period ended | Debt-to-assets ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.05 | −0.02 | −26.38% |
| 2024 | 2024-12-31 | 0.07 | −0.05 | −41.80% |
| 2023 | 2023-12-31 | 0.12 | 0.04 | +41.27% |
| 2022 | 2022-12-31 | 0.09 | 0.03 | +42.02% |
| 2021 | 2021-12-31 | 0.06 | −0.01 | −10.95% |
| 2020 | 2020-12-31 | 0.07 | −0.02 | −21.24% |
| 2019 | 2019-12-31 | 0.09 | −0.04 | −30.65% |
| 2018 | 2018-12-31 | 0.13 | 0.04 | +51.51% |
| 2017 | 2017-12-31 | 0.08 | 0.01 | +6.54% |
| 2016 | 2016-12-31 | 0.08 | 0.01 | +18.76% |
| 2015 | 2015-12-31 | 0.07 | −0.05 | −43.76% |
| 2014 | 2014-12-31 | 0.12 | 0.07 | +147.32% |
| 2013 | 2013-12-31 | 0.05 | — | — |
Pathfinder Bancorp quarterly debt-to-assets ratio
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| Fiscal quarter | Period ended | Debt-to-assets ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.10 | 0.03 | +33.01% |
| Q1 2026 | 2026-03-31 | 0.03 | −0.01 | −24.78% |
| Q4 2025 | 2025-12-31 | 0.05 | −0.02 | −26.38% |
| Q3 2025 | 2025-09-30 | 0.05 | −0.03 | −36.68% |
| Q2 2025 | 2025-06-30 | 0.08 | −0.05 | −38.77% |
| Q1 2025 | 2025-03-31 | 0.04 | −0.06 | −57.43% |
| Q4 2024 | 2024-12-31 | 0.07 | −0.05 | −41.80% |
| Q3 2024 | 2024-09-30 | 0.08 | −0.00 | −4.11% |
| Q2 2024 | 2024-06-30 | 0.12 | 0.03 | +26.85% |
| Q1 2024 | 2024-03-31 | 0.10 | 0.02 | +30.77% |
| Q4 2023 | 2023-12-31 | 0.12 | 0.04 | +41.27% |
| Q3 2023 | 2023-09-30 | 0.08 | 0.03 | +69.80% |
| Q2 2023 | 2023-06-30 | 0.10 | 0.04 | +69.43% |
| Q1 2023 | 2023-03-31 | 0.08 | 0.03 | +53.02% |
| Q4 2022 | 2022-12-31 | 0.09 | 0.03 | +42.02% |
| Q2 2022 | 2022-09-30 | 0.05 | −0.01 | −11.64% |
| Q1 2022 | 2022-06-30 | 0.06 | −0.01 | −16.20% |
| Q4 2021 · Mar 31 | 2022-03-31 | 0.05 | −0.02 | −27.98% |
| Q4 2021 · Dec 31 | 2021-12-31 | 0.06 | −0.01 | −10.95% |
| Q3 2021 | 2021-09-30 | 0.06 | −0.01 | −19.90% |
| Q2 2021 | 2021-06-30 | 0.07 | 0.00 | +2.34% |
| Q1 2021 | 2021-03-31 | 0.07 | −0.02 | −19.83% |
| Q4 2020 | 2020-12-31 | 0.07 | −0.02 | −21.24% |
| Q3 2020 | 2020-09-30 | 0.07 | −0.01 | −11.23% |
| Q2 2020 | 2020-06-30 | 0.07 | −0.02 | −26.46% |
| Q1 2020 | 2020-03-31 | 0.09 | 0.00 | +3.95% |
| Q4 2019 | 2019-12-31 | 0.09 | −0.04 | −30.65% |
| Q3 2019 | 2019-09-30 | 0.08 | −0.01 | −9.59% |
| Q2 2019 | 2019-06-30 | 0.09 | −0.00 | −1.66% |
| Q1 2019 | 2019-03-31 | 0.08 | 0.01 | +14.65% |
| Q4 2018 | 2018-12-31 | 0.13 | 0.04 | +51.51% |
| Q3 2018 | 2018-09-30 | 0.09 | 0.00 | +1.04% |
| Q2 2018 | 2018-06-30 | 0.09 | −0.01 | −10.84% |
| Q1 2018 | 2018-03-31 | 0.07 | 0.01 | +8.49% |
| Q4 2017 | 2017-12-31 | 0.08 | 0.01 | +6.54% |
| Q3 2017 | 2017-09-30 | 0.09 | −0.03 | −25.30% |
| Q2 2017 | 2017-06-30 | 0.10 | 0.01 | +10.41% |
| Q1 2017 | 2017-03-31 | 0.07 | 0.02 | +49.04% |
| Q4 2016 | 2016-12-31 | 0.08 | 0.01 | +18.76% |
| Q3 2016 | 2016-09-30 | 0.11 | 0.09 | +356.58% |
| Q2 2016 | 2016-06-30 | 0.09 | 0.01 | +18.27% |
| Q1 2016 | 2016-03-31 | 0.04 | −0.01 | −15.93% |
| Q4 2015 | 2015-12-31 | 0.07 | −0.05 | −43.76% |
| Q3 2015 | 2015-09-30 | 0.03 | 0.00 | +2.09% |
| Q2 2015 | 2015-06-30 | 0.08 | — | — |
| Q1 2015 | 2015-03-31 | 0.05 | — | — |
| Q4 2014 | 2014-12-31 | 0.12 | 0.07 | +147.32% |
| Q3 2014 | 2014-09-30 | 0.02 | — | — |
| Q4 2013 | 2013-12-31 | 0.05 | — | — |
Pathfinder Bancorp debt-to-assets ratio trends
Over the last five fiscal years, Pathfinder Bancorp's debt-to-assets ratio decreased from 0.07 to 0.05, a change of −0.02. The latest reported quarter, Q2 2026, shows 0.10.
About the metric
What the debt-to-assets ratio means
The debt-to-assets ratio shows the portion of a company’s reported assets financed with interest-bearing debt. It is a leverage measure and should not be confused with total liabilities divided by assets.
Calculation and source
How debt-to-assets is calculated
TickerStat calculates debt-to-assets as total interest-bearing debt divided by total assets at the same reporting-period end. Periods with missing debt or non-positive assets are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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