Pathfinder Bank Employee Stock Ownership Plan Trust - 31 Dec 2025 SCHEDULE 13G/A Report for Pathfinder Bancorp, Inc. MD Common Stock, par value $0.01 per share (PBHC)

Filing Manager: Pathfinder Bank Employee Stock Ownership Plan Trust
Reporting Manager: Pathfinder Bank Employee Stock Ownership Plan Trust
Security: Pathfinder Bancorp, Inc. MD Common Stock, par value $0.01 per share
Symbol: PBHC
Shares outstanding: 6,224,765 shares
Disclosed Ownership: 317,463 shares
Ownership: 5.1%
Form type: SCHEDULE 13G/A
Filing time: 13 Feb 2026, 09:22:18 UTC
Date of event: 31 Dec 2025
Previous filing: 14 Feb 2025
SEC: View on sec.gov

Reporting Managers (1)

Name	Ownership	Shares Owned	sole voting power	shared voting power	Signature	Title	CIK
Pathfinder Bank Employee Stock Ownership Plan Trust	5.1%	317,463	0	317,463	/s/ Paula Edmonds	Paula Edmonds, Senior Vice President, Pentegra Trust Company, Trustee