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                    <ccc>XXXXXXXX</ccc>
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            <liveTestFlag>LIVE</liveTestFlag>



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            <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>CALVIN CORRIDERS</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Officer</relationshipToIssuer>
            </relationshipsToIssuer>
        </issuerInfo>
        <securitiesInformation>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <brokerOrMarketmakerDetails>
                <name>Morgan Stanley Smith Barney LLC</name>
                <address>
                    <ns2:street1>1 New York Plaza</ns2:street1>
                    <ns2:street2>38th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>10000</noOfUnitsSold>
            <aggregateMarketValue>139634.00</aggregateMarketValue>
            <noOfUnitsOutstanding>4690065</noOfUnitsOutstanding>
            <approxSaleDate>08/15/2023</approxSaleDate>
            <securitiesExchangeName>NASD</securitiesExchangeName>
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        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>08/04/2023</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>6980</amountOfSecuritiesAcquired>
            <paymentDate>08/04/2023</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>05/06/2020</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>844</amountOfSecuritiesAcquired>
            <paymentDate>05/06/2020</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>05/06/2021</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>842</amountOfSecuritiesAcquired>
            <paymentDate>05/06/2021</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>10/28/2021</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>667</amountOfSecuritiesAcquired>
            <paymentDate>10/28/2021</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>10/28/2022</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>667</amountOfSecuritiesAcquired>
            <paymentDate>10/28/2022</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>CALVIN CORRIDERS</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>08/14/2023</saleDate>
            <amountOfSecuritiesSold>3000</amountOfSecuritiesSold>
            <grossProceeds>42930.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>08/15/2023</noticeDate>
            <planAdoptionDates/>
            <signature>/s/ Calvin Corriders</signature>
        </noticeSignature>
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144
0001679925
XXXXXXXX
LIVE
0001609065
PATHFINDER BANCORP, INC.
001-36695
214 West First Street
Oswego
NY
13126
(315) 343-0057
CALVIN CORRIDERS
Officer
Common
Morgan Stanley Smith Barney LLC
1 New York Plaza
38th Floor
New York
NY
10004
10000
139634.00
4690065
08/15/2023
NASD
Common
08/04/2023
Restricted Stock
Issuer
N
6980
08/04/2023
Not Applicable
Common
05/06/2020
Restricted Stock
Issuer
N
844
05/06/2020
Not Applicable
Common
05/06/2021
Restricted Stock
Issuer
N
842
05/06/2021
Not Applicable
Common
10/28/2021
Restricted Stock
Issuer
N
667
10/28/2021
Not Applicable
Common
10/28/2022
Restricted Stock
Issuer
N
667
10/28/2022
Not Applicable
N
CALVIN CORRIDERS
214 West First Street
Oswego
NY
13126
Common
08/14/2023
3000
42930.00
08/15/2023
/s/ Calvin Corriders