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.

Other Events On June 29, 2026, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share. The dividend is payable on August 7, 2026 to shareholders of record on July 17, 2026.

Entry into a Material Definitive Agreement On May 8, 2019, Pathfinder Bancorp, Inc. (the “Company”) entered into a Securities Purchase Agreement with Castle Creek Capital Partners VII, L.P. (“Castle Creek”), pursuant to which the Company sold Castle Creek certain securities of the Company in a private placement. In connection with the private placement, the Company entered into a registration rights agreement with Castle Creek, also dated as of May 8, 2019 (the “Registration Rights Agreement”…

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.

Other Events On March 30, 2026, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share and a cash dividend of $0.10 per notional share for the issued warrant. The dividend is payable on May 8, 2026 to shareholders of record on April 17, 2026.

Results of Operations and Financial Condition On January 29, 2026, Pathfinder Bancorp, Inc. (the “Company”) issued a press release and reported its financial results for the fourth quarter and year ended December 31, 2025. Subsequent to the January 29, 2026 earnings press release, the Company recorded an additional income tax benefit of $1.5 million for the quarter ended December 31, 2025. As a result, the income tax benefit for the fourth quarter of 2025 was revised to $3.0 million, and the…

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.

Other Events On December 22, 2025, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share and a cash dividend of $0.10 per notional share for the issued warrant. The dividend is payable on February 6, 2026 to shareholders of record on January 16, 2026.

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.

Other Events On September 29, 2025, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting 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.

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.

Other Events On June 30, 2025, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share and a cash dividend of $0.10 per notional share for the issued warrant. The dividend is payable on August 8, 2025 to shareholders of record on July 18, 2025.

Entry into a Material Definitive Agreement On May 8, 2019, Pathfinder Bancorp, Inc. (the “Company”) entered into a Securities Purchase Agreement with Castle Creek Capital Partners VII, L.P. (“Castle Creek”), pursuant to which the Company sold Castle Creek certain securities of the Company in a private placement. In connection with the private placement, the Company entered into a registration rights agreement with Castle Creek, also dated as of May 8, 2019 (the “Registration Rights Agreement”…

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.

Other Events On March 31, 2025, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share and a cash dividend of $0.10 per notional share for the issued warrant. The dividend is payable on May 9, 2025 to shareholders of record on April 18, 2025.

Results of Operations and Financial Condition On January 31, 2025, Pathfinder Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2024. Subsequent to this release, the Company identified that it unintentionally excluded accrued interest related to certain brokered certificates of deposit from interest expense. As a result, net interest income and net income were overstated by approximately $443,000 and $377,0…

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.

Other Events On December 23, 2024, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share and a cash dividend of $0.10 per notional share for the issued warrant. The dividend is payable on February 7, 2025 to shareholders of record on January 17, 2025.

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.

Other Events On September 30, 2024, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share and a cash dividend of $0.10 per notional share for the issued warrant. The dividend is payable on November 8, 2024 to shareholders of record on October 18, 2024.

Executive Vice President and Chief Banking Officer — Ronald Tascarella: Ronald Tascarella is retiring from his role as Executive Vice President and Chief Banking Officer.

James A. Dowd: An employment agreement was signed with James A. Dowd, President and CEO of the Bank and Company.

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.

Other Events On July 22, 2024, Pathfinder Bancorp, Inc. (“the Company”) announced that Pathfinder Bank (“Pathfinder”), the wholly owned subsidiary of the Company, had completed the previously announced purchase and assumption of the East Syracuse, New York branch of Berkshire Bank, the banking subsidiary of Berkshire Hills Bancorp, Inc. In connection with the purchase, Pathfinder assumed approximately $186 million in deposit liabilities and acquired approximately $30 million in loans. The pur…

Other Events On July 1, 2024, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share and a cash dividend of $0.10 per notional share for the issued warrant. The dividend is payable on August 9, 2024 to shareholders of record on July 17, 2024.