Pathfinder Bancorp Inc. reported a net income attributable to common shareholders of $31,000 for the second quarter of 2025, which equates to less than $0.01 per diluted share. This marks a significant decrease from the first quarter of 2025, where the net income was $3.0 million or $0.47 per diluted share, and from the second quarter of 2024, when it was $2.0 million or $0.32 per share. A notable development during this period was the sale of $9.3 million in nonperforming and classified loans in July 2025. This sale was part of Pathfinder's strategy to mitigate credit risk and improve asset quality in the long term. The company also reported a decrease in the efficiency ratio to 65.66% from 67.19% in the previous quarter and 74.36% in the same period last year, indicating improved expense management relative to revenue. Pre-tax, pre-provision net income remained unchanged from the preceding quarter at $4.2 million, but it showed an increase from $2.8 million in the same quarter of the previous year. Pathfinder Bancorp emphasized its focus on growing its Central New York core deposit franchise, which remains a crucial source of low-cost funding for lending opportunities in its regional markets.