Item 2.02 - Results of Operations and Financial Condition On January 31, 2023, Pathfinder Bancorp, Inc. issued a press release disclosing its fourth quarter 2022 financial results. A copy of the press release is included as Exhibit 99.1 to this report.

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.

Item 9.01 - Financial Statements and Results



Exhibit No.         Description
99.1                  Press Release dated January 31, 2023
                    Cover Page Interactive Data File (embedded within the Inline
104                 XBRL document).

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