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    <div style="text-align: right; font-weight: bold;">Registration No. 333-_________</div>
    <div style="text-align: right; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-weight: bold;">As filed with the Securities and Exchange Commission on June 14, 2024</div>
    <div style="text-align: center; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">UNITED STATES</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">Washington, D.C.&#160; 20549</font></div>
    <div style="text-align: center; font-size: 12pt;">_________________________</div>
    <div style="text-align: center; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">FORM S-8</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">REGISTRATION STATEMENT</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">UNDER</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">THE SECURITIES ACT OF 1933</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Pathfinder Bancorp, Inc.</div>
    <div style="text-align: center; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: center; font-size: 8pt;">(Exact Name of Registrant as Specified in its Charter)</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z10b5d09619564ba5995149e036f93e44" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 12pt; font-weight: bold;">Maryland</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 12pt; font-weight: bold;">38-3941859</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">(State or Other Jurisdiction of</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">(I.R.S. Employer Identification No.)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">Incorporation or Organization)</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">214 West First Street</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">Oswego, New York 13126</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;"></font><font style="font-size: 8pt;">(Address of Principal Executive Offices)</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-size: 8pt;"></font><font style="font-weight: bold;"></font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan</font></div>
    <div style="text-align: center;"><font style="font-size: 8pt;">(Full Title of the Plan)</font></div>
    <div style="text-align: center;"> <br>
    </div>
    <div style="text-align: center;">Copies to:</div>
    <table cellspacing="0" cellpadding="0" id="z497533540d40407bb3e8cddc178cd3a1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">James A. Dowd</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Benjamin M. Azoff, Esq.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">President and Chief Executive Officer</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">D. Max Seltzer, Esq.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Pathfinder Bancorp, Inc.</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Luse Gorman, PC</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">214 West First Street</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">5335 Wisconsin Ave., N.W., Suite 780</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Oswego, New York 13126</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Washington, DC 20015-2035</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">(315) 343-0057</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">(202) 274-2000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">(Name, Address and Telephone</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center;">Number of Agent for Service)</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of &#8220;large
      accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act:</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="ze2fab49e613b4cc8b2d053d196c89c6e" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Large accelerated filer &#9744;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div>Accelerated filer &#9744;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Non-accelerated filer&#160; &#8999;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div>Smaller reporting company&#8999;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Emerging growth company &#9744;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to
      Section 7(a)(2)(B) of the Securities Act. &#9744;</div>
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    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">PART I.</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt">&#160;</font><font style="font-weight: bold;">INFORMATION

        REQUIRED IN THE SECTION 10(a) PROSPECTUS</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">Items 1 and 2.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font style="font-weight: bold;">Plan
        Information; and Registrant Information and Employee Plan Annual Information</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The documents containing the information specified in Part I of Form S-8 have been or will be sent or given to participants in the Pathfinder Bancorp, Inc. 2024 Equity Incentive
      Plan (the &#8220;Plan&#8221;) as specified by Rule 428(b)(1) promulgated by the Securities and Exchange Commission (the &#8220;Commission&#8221;) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;).</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Such documents are not being filed with the Commission but constitute (along with the documents incorporated by reference into this Registration Statement pursuant to Item 3 of
      Part II hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.</div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">PART II.</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt">&#160;</font><font style="font-weight: bold;">INFORMATION

        REQUIRED IN THE REGISTRATION STATEMENT</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-weight: bold;">Item 3.</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font style="font-weight: bold;">Incorporation of
        Documents by Reference</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The following documents previously filed by Pathfinder Bancorp, Inc. (the &#8220;Company&#8221;) with the Commission under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange
      Act&#8221;), are incorporated herein by reference (other than any such documents or portions thereof that are furnished under Item 2.02 or Item 7.01 of Form&#160;8-K,&#160;unless otherwise indicated therein, including any exhibits included with such Items):</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"> (a)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>The Company&#8217;s <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1609065/000095017024035248/pbhc-20231231.htm">Annual Report on Form 10-K for the year ended December 31, 2023</a>, filed with the Commission on March 22, 2024 (File No. 001-36695) (including
      information specifically incorporated by reference therein from the Company&#8217;s definitive proxy statement on <a href="https://www.sec.gov/Archives/edgar/data/1609065/000095017024046248/pbhc-2024-def_14a.htm">Schedule 14A, filed on April 22, 2024</a>);</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">(b)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>The Company&#8217;s <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1609065/000095017024060110/pbhc-20240331.htm">Quarterly Report on Form&#160;10-Q&#160;for the quarter ended March&#160;31, 2024</a>, filed with the Commission on May 15, 2024 (File No. 001-36695);</div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">(c)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>The Company&#8217;s Current Reports on Form 8-K filed on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1609065/000095017024024940/pbhc-20240304.htm">March 4, 2024</a>; <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1609065/000095017024039349/pbhc-20240401.htm"> April 1, 2024</a>; <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1609065/000094337424000173/form8k_050224.htm">May 8, 2024</a>; <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1609065/000095017024070377/pbhc-20240606.htm">June 7, 2024</a>; and <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001609065/000095017024072907/pbhc-20240613.htm">June 13, 2024</a> (File No. for all 001-36695); and</div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">(d)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>The description of the Company&#8217;s common stock contained in the <a href="https://www.sec.gov/Archives/edgar/data/1609065/000094337414000573/form8a12b_maryland-101614.htm">Registration Statement on Form 8-A</a> filed with the Commission on October 16, 2014 (File No. 001-36695), including any subsequent amendments
      or reports filed for the purpose of updating such description.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Exchange Act, after the date hereof, and prior to the
      filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this Registration Statement and to be a
      part thereof from the date of the filing of such documents.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or superseded for purposes of
      this Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to be, incorporated by reference herein or therein modifies or
      supersedes such statement.&#160; Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement and the prospectus.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All information appearing in this Registration Statement and the prospectus is qualified in its entirety by the detailed information, including financial statements, appearing in
      the documents incorporated herein or therein by reference.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 4.&#160; Description of Securities</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Not applicable.</div>
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    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 5.&#160; Interests of Named Experts and Counsel</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">None.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 6.&#160; Indemnification of Directors and Officers</div>
    <div>
      <div style="text-align: justify; text-indent: 36pt;">Articles 10 and 11 of the Articles of Incorporation of Pathfinder Bancorp, Inc. (the "Corporation") set forth circumstances under which directors, officers, employees and agents of the Company may
        be insured or indemnified against liability which they incur in their capacities as such:</div>
      <div><br>
      </div>
    </div>
    <div>
      <div style="text-indent: 24.5pt; font-weight: bold;">ARTICLE&#160;10. Indemnification, etc. of Directors and Officers.</div>
    </div>
    <div>
      <div><br>
      </div>
    </div>
    <div>
      <div style="text-align: justify; text-indent: 24.5pt;"><font style="font-weight: bold;">A.&#160; Indemnification.</font>&#160;The Corporation shall indemnify (1)&#160;its current and former directors and officers, whether serving the Corporation or at its request
        any other entity, to the fullest extent required or permitted by the MGCL now or hereafter in force, including the advancement of expenses under the procedures and to the fullest extent permitted by law, and (2)&#160;other employees and agents to such
        extent as shall be authorized by the Board of Directors and permitted by law; provided, however, that, except as provided in Section&#160;B of this Article 10 with respect to proceedings to enforce rights to indemnification, the Corporation shall
        indemnify any such indemnitee in connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of Directors of the Corporation.</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 24.5pt;"><font style="font-weight: bold;">B.&#160; Procedure.</font>&#160;If a claim under Section&#160;A of this Article&#160;10 is not paid in full by the Corporation within sixty (60)&#160;days after a written claim has been
        received by the Corporation, except in the case of a claim for an advancement of expenses, in which case the applicable period shall be twenty (20)&#160;days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the
        unpaid amount of the claim. If successful in whole or in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall also be entitled to be
        reimbursed the expense of prosecuting or defending such suit. It shall be a defense to any action for advancement of expenses that the Corporation has not received both (i)&#160;an undertaking as required by law to repay such advances in the event it
        shall ultimately be determined that the standard of conduct has not been met and (ii)&#160;a written affirmation by the indemnitee of his good faith belief that the standard of conduct necessary for indemnification by the Corporation has been met. In
        (i)&#160;any suit brought by the indemnitee to enforce a right to indemnification hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii)&#160;any suit by the Corporation
        to recover an advancement of expenses pursuant to the terms of an undertaking the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met the applicable standard for indemnification set
        forth in the MGCL. Neither the failure of the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the indemnitee
        is proper in the circumstances because the indemnitee has met the applicable standard of conduct set forth in the MGCL, nor an actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its
        stockholders) that the indemnitee has not met such applicable standard of conduct, shall create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense
        to such suit. In any suit brought by the indemnitee to enforce a&#160;right to indemnification or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of
        proving that the indemnitee is not entitled to be indemnified, or to such advancement of expenses, under this Article&#160;10 or otherwise shall be on the Corporation.</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 24.5pt;"><font style="font-weight: bold;">C.&#160; Non-Exclusivity.</font>&#160;The rights to indemnification and to the advancement of expenses conferred in this Article&#160;10 shall not be exclusive of any other
        right that any Person may have or hereafter acquire under any statute, these Articles, the Corporation's Bylaws, any agreement, any vote of stockholders or the Board of Directors, or otherwise.</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 24.5pt;"><font style="font-weight: bold;">D.&#160; Insurance.</font>&#160;The Corporation may maintain insurance, at its expense, to insure itself and any director, officer, employee or agent of the Corporation or
        another corporation, partnership, joint venture, trust or other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such Person against such expense, liability or loss under the MGCL.</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
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      <div style="text-align: justify; text-indent: 24.5pt;"><font style="font-weight: bold;">E.&#160; Miscellaneous.</font>&#160;The Corporation shall not be liable for any payment under this Article&#160;10 in connection with a claim made by any indemnitee to the
        extent such indemnitee has otherwise actually received payment under any insurance policy, agreement, or otherwise, of the amounts otherwise indemnifiable hereunder. The rights to indemnification and to the advancement of expenses conferred in
        Sections&#160;A and B of this Article&#160;10 shall be contract rights and such rights shall continue as to an indemnitee who has ceased to be a director or officer and shall inure to the benefit of the indemnitee's heirs, executors and administrators.</div>
    </div>
    <div>
      <div><br>
      </div>
    </div>
    <div>
      <div style="text-align: justify; text-indent: 24.5pt;"><font style="font-weight: bold;">F. Limitations Imposed by Federal Law.</font>&#160;Notwithstanding any other provision set forth in this Article 10, in no event shall any payments made by the
        Corporation pursuant to this Article 10 exceed the amount permissible under applicable federal law, including, without limitation, Section&#160;18(k) of the Federal Deposit Insurance Act and the regulations promulgated thereunder.</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 24.5pt;">Any repeal or modification of this Article&#160;10 shall not in any way diminish any rights to indemnification or advancement of expenses of such director or officer or the obligations of the
        Corporation arising hereunder with respect to events occurring, or claims made, while this Article&#160;10 is in force.</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 24.5pt;"><font style="font-weight: bold;">ARTICLE&#160;11. Limitation of Liability.</font>&#160;An officer or director of the Corporation, as such, shall not be liable to the Corporation or its stockholders for
        money damages, except (A)&#160;to the extent that it is proved that the Person actually received an improper benefit or profit in money, property or services, for the amount of the benefit or profit in money, property or services actually received; or
        (B)&#160;to the extent that a judgment or other final adjudication adverse to the Person is entered in a proceeding based on a finding in the proceeding that the Person's action, or failure to act, was the result of active and deliberate dishonesty and
        was material to the cause of action adjudicated in the proceeding; or (C)&#160;to the extent otherwise provided by the MGCL. If the MGCL is amended to further eliminate or limit the personal liability of officers and directors, then the liability of
        officers and directors of the Corporation shall be eliminated or limited to the fullest extent permitted by the MGCL, as so amended.</div>
    </div>
    <div>
      <div><br>
      </div>
    </div>
    <div>
      <div style="text-align: justify; text-indent: 24.5pt;">Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a director or officer of the Corporation
        existing at the time of such repeal or modification.</div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Item 7.&#160; Exemption From Registration Claimed.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Not applicable.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Item 8.&#160; List of Exhibits.</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zf07ed8fb7d9c4028b7177df1618e81db" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 19.92%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Regulation S-K</div>
            <div style="text-align: center;">Exhibit Number</div>
          </td>
          <td style="width: 2.82%; vertical-align: bottom;">&#160;</td>
          <td style="width: 77.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1609065/000157104914002349/t1400715_s1.htm">4</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div style="text-align: justify;"><a href="https://www.sec.gov/Archives/edgar/data/1609065/000157104914002349/t1400715_s1.htm">Form of Common Stock Certificate (incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1
                (File No. 333-196676) originally filed by the Company under the Securities Act with the Commission on June 11, 2014, and all amendments or reports filed for the purpose of updating such description)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex5_s8061424.htm">5</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="ex5_s8061424.htm">Opinion of Luse Gorman, PC</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1609065/000095017024046248/pbhc-2024-def_14a.htm">10.1</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="https://www.sec.gov/Archives/edgar/data/1609065/000095017024046248/pbhc-2024-def_14a.htm">Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan (incorporated by reference to Appendix A to the proxy statement for the Annual Meeting
                of Stockholders of Pathfinder Bancorp, Inc., filed under the Exchange Act on April 22, 2024 (File No. 001-36695))</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-2_s8061424.htm">10.2</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="ex10-2_s8061424.htm">Form of Restricted Stock Award Agreement</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-3_s8061424.htm">10.3</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="ex10-3_s8061424.htm">Form of Incentive Stock Option Award Agreement</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-4_s8061424.htm">10.4</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="ex10-4_s8061424.htm">Form of Non-Qualified Stock Option Award Agreement</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-5_s8061424.htm">10.5</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="ex10-5_s8061424.htm">Form of Performance Restricted Stock Unit Award Agreement</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div><br>
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        <tr>
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            <div style="text-align: center;"><a href="ex5_s8061424.htm">23.1</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="ex5_s8061424.htm">Consent of Luse Gorman, PC (contained in Exhibit 5)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex23-2_s8061424.htm">23.2</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="ex23-2_s8061424.htm">Consent of Bonadio &amp; Co., LLP (Independent Registered Public Accounting Firm)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="#POWEROFATTORNEY">24</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="#POWEROFATTORNEY">Power of Attorney (contained on signature page)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">&#160;</td>
          <td style="width: 2.82%; vertical-align: top;">&#160;</td>
          <td style="width: 77.26%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 19.92%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex107-s8061424.htm">107</a></div>
          </td>
          <td style="width: 2.82%; vertical-align: top;"><br>
          </td>
          <td style="width: 77.26%; vertical-align: top;">
            <div><a href="ex107-s8061424.htm">Filing Fee Table</a></div>
          </td>
        </tr>

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    <div style="font-size: 8pt;">____________________________________</div>
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        <tr>
          <td style="width: 72pt; vertical-align: top; font-weight: bold;">Item 9.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-weight: bold;">Undertakings</div>
          </td>
        </tr>

    </table>
    <div><br>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned registrant hereby undertakes:</div>
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      being made, a post-effective amendment to the Registration Statement:</div>
    <div style="text-align: justify; text-indent: 72pt; margin-bottom: 12pt;">(i)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>to include any prospectus required by Section 10(a)(3) of
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    <div style="text-align: justify; text-indent: 72pt; margin-bottom: 12pt;">(ii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>to reflect in the prospectus any facts or events arising
      after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement.&#160;
      Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum
      offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) (section 230.424(b)) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering
      price set forth in the &#8220;Calculation of Registration Fees&#8221; table in the effective registration statement;</div>
    <div style="text-align: justify; text-indent: 72pt; margin-bottom: 12pt;">(iii)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>to include any material information with respect to the
      plan of distribution not previously disclosed in this Registration Statement or any material change to such information in this Registration Statement;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">provided, however, that paragraphs 1(i) and 1(ii) above do not apply if the information required to be included in a post-effective amendment by these paragraphs is contained in
      reports filed with or furnished to the Commission by the Company pursuant to Section 13 or Section 15(d) of the Exchange Act that are incorporated by reference in this Registration Statement;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">2.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>That, for the purpose of determining any liability under the
      Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">3.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>To remove from registration by means of a post-effective
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">4.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>That, for purposes of determining any liability under the
      Securities Act, each filing of the registrant&#8217;s annual report pursuant to Section 13(a) or 15(d) of the Exchange Act that is incorporated by reference in the Registration Statement shall be deemed to be a new registration statement relating to the
      securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof; and</div>
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      Securities Act may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission such indemnification is against
      public policy as expressed in the Securities Act and is, therefore, unenforceable.&#160; In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer
      or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the
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      governed by the final adjudication of such issue.</div>
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    <div style="text-align: center; font-weight: bold;">SIGNATURES</div>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">The Registrant.</font>&#160; Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
          <td style="width: 9.92%; vertical-align: top;">&#160;</td>
          <td style="width: 48.16%; vertical-align: top;">
            <div style="text-align: justify; font-weight: bold;">PATHFINDER BANCORP, INC.</div>
          </td>
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        <tr>
          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
          <td style="width: 9.92%; vertical-align: top;">&#160;</td>
          <td style="width: 48.16%; vertical-align: top;">&#160;</td>
        </tr>
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
          <td style="width: 9.92%; vertical-align: top;">&#160;</td>
          <td style="width: 48.16%; vertical-align: top;">&#160;</td>
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
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            <div style="text-align: right;">By:&#160;&#160; <br>
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
          <td style="width: 9.92%; vertical-align: top;">&#160;</td>
          <td style="width: 48.16%; vertical-align: top;">
            <div style="text-align: justify;">James A. Dowd</div>
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
          <td style="width: 9.92%; vertical-align: top;">&#160;</td>
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            <div style="text-align: justify;">President and Chief Executive Officer</div>
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
          <td style="width: 9.92%; vertical-align: top;">&#160;</td>
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    <div style="text-align: center; font-weight: bold;"><a name="POWEROFATTORNEY"><!--Anchor--></a>POWER OF ATTORNEY</div>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We, the undersigned directors and officers of Pathfinder Bancorp, Inc. (the &#8220;Company&#8221;) hereby severally constitute and appoint James A. Dowd, as our true and lawful attorney and
      agent, to do any and all things in our names in the capacities indicated below which said James A. Dowd may deem necessary or advisable to enable the Company to comply with the Securities Act of 1933, and any rules, regulations and requirements of
      the Securities and Exchange Commission, in connection with the registration of shares of common stock to be granted and shares of common stock to be issued upon the exercise of stock options to be granted under the Pathfinder Bancorp, Inc. 2024
      Equity Incentive Plan, including specifically, but not limited to, power and authority to sign for us in our names in the capacities indicated below the registration statement and any and all amendments (including post-effective amendments) thereto;
      and we hereby approve, ratify and confirm all that said James A. Dowd shall do or cause to be done by virtue thereof.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Pursuant to the requirements of the Securities Act of 1933, this Registration Statement on Form S-8 has been signed by the following persons in the capacities and on the date
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
        </tr>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center;">June 14, 2024</div>
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          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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        <tr>
          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 35.06%; vertical-align: top;">
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          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">
            <div style="text-align: center;">June 14, 2024</div>
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          <td style="width: 29.65%; vertical-align: top;">
            <div style="text-align: justify;">Walter F. Rusnak</div>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">
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          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
        </tr>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
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          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
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          <td style="width: 24.18%; vertical-align: top;">
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[{"type": "S-8", "sequence": "1", "filename": "s8_061424.htm", "description": "PATHFINDER BANCORP, INC. FORM S-8 REGISTRATION STATEMENT JUNE 14, 2024", "secsgml_size_bytes": 68612}]
{"company-data": {"conformed-name": "Pathfinder Bancorp, Inc.", "cik": "0001609065", "assigned-sic": "6022", "organization-name": "02 Finance", "irs-number": "383941859", "state-of-incorporation": "MD", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-280216", "film-number": "241044810"}, "business-address": {"street1": "214 WEST FIRST STREET", "city": "OSWEGO", "state": "NY", "zip": "13126", "phone": "(315) 343-0057"}, "mail-address": {"street1": "214 WEST FIRST STREET", "city": "OSWEGO", "state": "NY", "zip": "13126"}}
Registration No. 333-_________
As filed with the Securities and Exchange Commission on June 14, 2024
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549
_________________________
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
Pathfinder Bancorp, Inc.
(Exact Name of Registrant as Specified in its Charter)
Maryland
38-3941859
(State or Other Jurisdiction of
(I.R.S. Employer Identification No.)
Incorporation or Organization)
214 West First Street
Oswego, New York 13126
(Address of Principal Executive Offices)
Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan
(Full Title of the Plan)
Copies to:
James A. Dowd
Benjamin M. Azoff, Esq.
President and Chief Executive Officer
D. Max Seltzer, Esq.
Pathfinder Bancorp, Inc.
Luse Gorman, PC
214 West First Street
5335 Wisconsin Ave., N.W., Suite 780
Oswego, New York 13126
Washington, DC 20015-2035
(315) 343-0057
(202) 274-2000
(Name, Address and Telephone
Number of Agent for Service)
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of "large
      accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act:
Large accelerated filer ☐
Accelerated filer ☐
Non-accelerated filer  ⌧
Smaller reporting company⌧
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to
      Section 7(a)(2)(B) of the Securities Act. ☐
PART I.
INFORMATION

        REQUIRED IN THE SECTION 10(a) PROSPECTUS
Items 1 and 2.
Plan
        Information; and Registrant Information and Employee Plan Annual Information
The documents containing the information specified in Part I of Form S-8 have been or will be sent or given to participants in the Pathfinder Bancorp, Inc. 2024 Equity Incentive
      Plan (the "Plan") as specified by Rule 428(b)(1) promulgated by the Securities and Exchange Commission (the "Commission") under the Securities Act of 1933, as amended (the "Securities Act").
Such documents are not being filed with the Commission but constitute (along with the documents incorporated by reference into this Registration Statement pursuant to Item 3 of
      Part II hereof) a prospectus that meets the requirements of Section 10(a) of the Securities Act.
PART II.
INFORMATION

        REQUIRED IN THE REGISTRATION STATEMENT
Item 3.
Incorporation of
        Documents by Reference
The following documents previously filed by Pathfinder Bancorp, Inc. (the "Company") with the Commission under the Securities Exchange Act of 1934, as amended (the "Exchange
      Act"), are incorporated herein by reference (other than any such documents or portions thereof that are furnished under Item 2.02 or Item 7.01 of Form 8-K, unless otherwise indicated therein, including any exhibits included with such Items):
(a)
The Company's
Annual Report on Form 10-K for the year ended December 31, 2023
, filed with the Commission on March 22, 2024 (File No. 001-36695) (including
      information specifically incorporated by reference therein from the Company's definitive proxy statement on
Schedule 14A, filed on April 22, 2024
);
(b)
The Company's
Quarterly Report on Form 10-Q for the quarter ended March 31, 2024
, filed with the Commission on May 15, 2024 (File No. 001-36695);
(c)
The Company's Current Reports on Form 8-K filed on
March 4, 2024
;
April 1, 2024
;
May 8, 2024
;
June 7, 2024
; and
June 13, 2024
(File No. for all 001-36695); and
(d)
The description of the Company's common stock contained in the
Registration Statement on Form 8-A
filed with the Commission on October 16, 2014 (File No. 001-36695), including any subsequent amendments
      or reports filed for the purpose of updating such description.
All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Exchange Act, after the date hereof, and prior to the
      filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this Registration Statement and to be a
      part thereof from the date of the filing of such documents.
Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or superseded for purposes of
      this Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to be, incorporated by reference herein or therein modifies or
      supersedes such statement.  Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement and the prospectus.
All information appearing in this Registration Statement and the prospectus is qualified in its entirety by the detailed information, including financial statements, appearing in
      the documents incorporated herein or therein by reference.
Item 4.  Description of Securities
Not applicable.
Item 5.  Interests of Named Experts and Counsel
None.
Item 6.  Indemnification of Directors and Officers
Articles 10 and 11 of the Articles of Incorporation of Pathfinder Bancorp, Inc. (the "Corporation") set forth circumstances under which directors, officers, employees and agents of the Company may
        be insured or indemnified against liability which they incur in their capacities as such:
ARTICLE 10. Indemnification, etc. of Directors and Officers.
A.  Indemnification.
The Corporation shall indemnify (1) its current and former directors and officers, whether serving the Corporation or at its request
        any other entity, to the fullest extent required or permitted by the MGCL now or hereafter in force, including the advancement of expenses under the procedures and to the fullest extent permitted by law, and (2) other employees and agents to such
        extent as shall be authorized by the Board of Directors and permitted by law; provided, however, that, except as provided in Section B of this Article 10 with respect to proceedings to enforce rights to indemnification, the Corporation shall
        indemnify any such indemnitee in connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of Directors of the Corporation.
B.  Procedure.
If a claim under Section A of this Article 10 is not paid in full by the Corporation within sixty (60) days after a written claim has been
        received by the Corporation, except in the case of a claim for an advancement of expenses, in which case the applicable period shall be twenty (20) days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the
        unpaid amount of the claim. If successful in whole or in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall also be entitled to be
        reimbursed the expense of prosecuting or defending such suit. It shall be a defense to any action for advancement of expenses that the Corporation has not received both (i) an undertaking as required by law to repay such advances in the event it
        shall ultimately be determined that the standard of conduct has not been met and (ii) a written affirmation by the indemnitee of his good faith belief that the standard of conduct necessary for indemnification by the Corporation has been met. In
        (i) any suit brought by the indemnitee to enforce a right to indemnification hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii) any suit by the Corporation
        to recover an advancement of expenses pursuant to the terms of an undertaking the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met the applicable standard for indemnification set
        forth in the MGCL. Neither the failure of the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the indemnitee
        is proper in the circumstances because the indemnitee has met the applicable standard of conduct set forth in the MGCL, nor an actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its
        stockholders) that the indemnitee has not met such applicable standard of conduct, shall create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense
        to such suit. In any suit brought by the indemnitee to enforce a right to indemnification or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of
        proving that the indemnitee is not entitled to be indemnified, or to such advancement of expenses, under this Article 10 or otherwise shall be on the Corporation.
C.  Non-Exclusivity.
The rights to indemnification and to the advancement of expenses conferred in this Article 10 shall not be exclusive of any other
        right that any Person may have or hereafter acquire under any statute, these Articles, the Corporation's Bylaws, any agreement, any vote of stockholders or the Board of Directors, or otherwise.
D.  Insurance.
The Corporation may maintain insurance, at its expense, to insure itself and any director, officer, employee or agent of the Corporation or
        another corporation, partnership, joint venture, trust or other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such Person against such expense, liability or loss under the MGCL.
2
E.  Miscellaneous.
The Corporation shall not be liable for any payment under this Article 10 in connection with a claim made by any indemnitee to the
        extent such indemnitee has otherwise actually received payment under any insurance policy, agreement, or otherwise, of the amounts otherwise indemnifiable hereunder. The rights to indemnification and to the advancement of expenses conferred in
        Sections A and B of this Article 10 shall be contract rights and such rights shall continue as to an indemnitee who has ceased to be a director or officer and shall inure to the benefit of the indemnitee's heirs, executors and administrators.
F. Limitations Imposed by Federal Law.
Notwithstanding any other provision set forth in this Article 10, in no event shall any payments made by the
        Corporation pursuant to this Article 10 exceed the amount permissible under applicable federal law, including, without limitation, Section 18(k) of the Federal Deposit Insurance Act and the regulations promulgated thereunder.
Any repeal or modification of this Article 10 shall not in any way diminish any rights to indemnification or advancement of expenses of such director or officer or the obligations of the
        Corporation arising hereunder with respect to events occurring, or claims made, while this Article 10 is in force.
ARTICLE 11. Limitation of Liability.
An officer or director of the Corporation, as such, shall not be liable to the Corporation or its stockholders for
        money damages, except (A) to the extent that it is proved that the Person actually received an improper benefit or profit in money, property or services, for the amount of the benefit or profit in money, property or services actually received; or
        (B) to the extent that a judgment or other final adjudication adverse to the Person is entered in a proceeding based on a finding in the proceeding that the Person's action, or failure to act, was the result of active and deliberate dishonesty and
        was material to the cause of action adjudicated in the proceeding; or (C) to the extent otherwise provided by the MGCL. If the MGCL is amended to further eliminate or limit the personal liability of officers and directors, then the liability of
        officers and directors of the Corporation shall be eliminated or limited to the fullest extent permitted by the MGCL, as so amended.
Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a director or officer of the Corporation
        existing at the time of such repeal or modification.
Item 7.  Exemption From Registration Claimed.
Not applicable.
Item 8.  List of Exhibits.
Regulation S-K
Exhibit Number
Document
4
Form of Common Stock Certificate (incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1
                (File No. 333-196676) originally filed by the Company under the Securities Act with the Commission on June 11, 2014, and all amendments or reports filed for the purpose of updating such description)
5
Opinion of Luse Gorman, PC
10.1
Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan (incorporated by reference to Appendix A to the proxy statement for the Annual Meeting
                of Stockholders of Pathfinder Bancorp, Inc., filed under the Exchange Act on April 22, 2024 (File No. 001-36695))
10.2
Form of Restricted Stock Award Agreement
10.3
Form of Incentive Stock Option Award Agreement
10.4
Form of Non-Qualified Stock Option Award Agreement
10.5
Form of Performance Restricted Stock Unit Award Agreement
3
23.1
Consent of Luse Gorman, PC (contained in Exhibit 5)
23.2
Consent of Bonadio & Co., LLP (Independent Registered Public Accounting Firm)
24
Power of Attorney (contained on signature page)
107
Filing Fee Table
____________________________________
Item 9.
Undertakings
The undersigned registrant hereby undertakes:
1.
To file, during any period in which offers or sales are
      being made, a post-effective amendment to the Registration Statement:
(i)
to include any prospectus required by Section 10(a)(3) of
      the Securities Act;
(ii)
to reflect in the prospectus any facts or events arising
      after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. 
      Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum
      offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) (section 230.424(b)) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering
      price set forth in the "Calculation of Registration Fees" table in the effective registration statement;
(iii)
to include any material information with respect to the
      plan of distribution not previously disclosed in this Registration Statement or any material change to such information in this Registration Statement;
provided, however, that paragraphs 1(i) and 1(ii) above do not apply if the information required to be included in a post-effective amendment by these paragraphs is contained in
      reports filed with or furnished to the Commission by the Company pursuant to Section 13 or Section 15(d) of the Exchange Act that are incorporated by reference in this Registration Statement;
2.
That, for the purpose of determining any liability under the
      Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
bona fide
offering thereof;
3.
To remove from registration by means of a post-effective
      amendment any of the securities being registered which remain unsold at the termination of the offering;
4.
That, for purposes of determining any liability under the
      Securities Act, each filing of the registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange Act that is incorporated by reference in the Registration Statement shall be deemed to be a new registration statement relating to the
      securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
bona fide
offering thereof; and
5.
Insofar as indemnification for liabilities arising under the
      Securities Act may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission such indemnification is against
      public policy as expressed in the Securities Act and is, therefore, unenforceable.  In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer
      or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the
      opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be
      governed by the final adjudication of such issue.
4
SIGNATURES
The Registrant.
Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to
      believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement on Form S-8 to be signed on its behalf by the undersigned, thereunto duly authorized, in Oswego, New York, on this 14
th
day of June, 2024.
PATHFINDER BANCORP, INC.
By:
/s/ James A. Dowd
James A. Dowd
President and Chief Executive Officer
(Duly Authorized Representative)
POWER OF ATTORNEY
We, the undersigned directors and officers of Pathfinder Bancorp, Inc. (the "Company") hereby severally constitute and appoint James A. Dowd, as our true and lawful attorney and
      agent, to do any and all things in our names in the capacities indicated below which said James A. Dowd may deem necessary or advisable to enable the Company to comply with the Securities Act of 1933, and any rules, regulations and requirements of
      the Securities and Exchange Commission, in connection with the registration of shares of common stock to be granted and shares of common stock to be issued upon the exercise of stock options to be granted under the Pathfinder Bancorp, Inc. 2024
      Equity Incentive Plan, including specifically, but not limited to, power and authority to sign for us in our names in the capacities indicated below the registration statement and any and all amendments (including post-effective amendments) thereto;
      and we hereby approve, ratify and confirm all that said James A. Dowd shall do or cause to be done by virtue thereof.
Pursuant to the requirements of the Securities Act of 1933, this Registration Statement on Form S-8 has been signed by the following persons in the capacities and on the date
      indicated.
Signatures
Title
Date
/s/ James A. Dowd
President & Chief Executive
June 14, 2024
James A. Dowd
Officer (Principal Executive Officer)
/s/ Walter F. Rusnak
Senior Vice President & Chief
June 14, 2024
Walter F. Rusnak
Financial Officer (Principal Financial and Accounting Officer)
/s/ Lloyd Stemple
Director
June 14, 2024
Lloyd Stemple
/s/ William A. Barclay
Director
June 14, 2024
William A. Barclay
/s/ John P. Funiciello
Director
June 14, 2024
John P. Funiciello
/s/ David A. Ayoub
Director
June 14, 2024
David A. Ayoub
/s/ John F. Sharkey
Director
June 14, 2024
John F. Sharkey
/s/ Adam C. Gagas
Director
June 14, 2024
Adam C. Gagas
/s/ Melanie Littlejohn
Director
June 14, 2024
Melanie Littlejohn
/s/ Meghan Crawford-Hamlin
Director
June 14, 2024
Meghan Crawford-Hamlin
/s/ Eric Allyn
Director
June 14, 2024
Eric Allyn