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    <headerData>
        <submissionType>144</submissionType>
        <filerInfo>
            <filer>
                <filerCredentials>
                    <cik>0001679604</cik>
                    <ccc>XXXXXXXX</ccc>
                </filerCredentials>
            </filer>
            <liveTestFlag>LIVE</liveTestFlag>



        </filerInfo>
    </headerData>
    <formData>
        <issuerInfo>
            <issuerCik>0001609065</issuerCik>
            <issuerName>PATHFINDER BANCORP, INC.</issuerName>
            <secFileNumber>001-36695</secFileNumber>
            <issuerAddress>
                <ns2:street1>214 West First Street</ns2:street1>
                <ns2:city>Oswego</ns2:city>
                <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                <ns2:zipCode>13126</ns2:zipCode>
            </issuerAddress>
            <issuerContactPhone>(315) 343-0057</issuerContactPhone>
            <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>WALTER F RUSNAK</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Officer</relationshipToIssuer>
            </relationshipsToIssuer>
        </issuerInfo>
        <securitiesInformation>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <brokerOrMarketmakerDetails>
                <name>Morgan Stanley Smith Barney LLC Executive Financial Services</name>
                <address>
                    <ns2:street1>1 New York Plaza</ns2:street1>
                    <ns2:street2>8th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>16000</noOfUnitsSold>
            <aggregateMarketValue>241428.80</aggregateMarketValue>
            <noOfUnitsOutstanding>4761182</noOfUnitsOutstanding>
            <approxSaleDate>06/12/2025</approxSaleDate>
            <securitiesExchangeName>NASDAQ</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>06/12/2025</acquiredDate>
            <natureOfAcquisitionTransaction>Stock Option Exercise</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>16000</amountOfSecuritiesAcquired>
            <paymentDate>06/12/2025</paymentDate>
            <natureOfPayment>Cash</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>WALTER F. RUSNAK</name>
                <address>
                    <ns2:street1>214 West First Street</ns2:street1>
                    <ns2:city>Oswego</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>13126</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>06/03/2025</saleDate>
            <amountOfSecuritiesSold>191</amountOfSecuritiesSold>
            <grossProceeds>2828.69</grossProceeds>
        </securitiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>WALTER F. RUSNAK</name>
                <address>
                    <ns2:street1>214 West First Street</ns2:street1>
                    <ns2:city>Oswego</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>13126</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>06/02/2025</saleDate>
            <amountOfSecuritiesSold>8116</amountOfSecuritiesSold>
            <grossProceeds>119941.49</grossProceeds>
        </securitiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>WALTER F. RUSNAK</name>
                <address>
                    <ns2:street1>214 West First Street</ns2:street1>
                    <ns2:city>Oswego</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>13126</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>03/13/2025</saleDate>
            <amountOfSecuritiesSold>2000</amountOfSecuritiesSold>
            <grossProceeds>33600.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>06/12/2025</noticeDate>
            <planAdoptionDates/>
            <signature>/s/ Walter F Rusnak</signature>
        </noticeSignature>
    </formData>
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144
0001679604
XXXXXXXX
LIVE
0001609065
PATHFINDER BANCORP, INC.
001-36695
214 West First Street
Oswego
NY
13126
(315) 343-0057
WALTER F RUSNAK
Officer
Common
Morgan Stanley Smith Barney LLC Executive Financial Services
1 New York Plaza
8th Floor
New York
NY
10004
16000
241428.80
4761182
06/12/2025
NASDAQ
Common
06/12/2025
Stock Option Exercise
Issuer
N
16000
06/12/2025
Cash
N
WALTER F. RUSNAK
214 West First Street
Oswego
NY
13126
Common
06/03/2025
191
2828.69
WALTER F. RUSNAK
214 West First Street
Oswego
NY
13126
Common
06/02/2025
8116
119941.49
WALTER F. RUSNAK
214 West First Street
Oswego
NY
13126
Common
03/13/2025
2000
33600.00
06/12/2025
/s/ Walter F Rusnak