<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Schema Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-03-30T19:24:16.6036447+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 728bde0f97ea4bf0b7384349263600e3 -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
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  <xsd:element id="pbhc_ProceedsFromSaleOfAvailableForSaleDebtAndEquitySecurities" name="ProceedsFromSaleOfAvailableForSaleDebtAndEquitySecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_IncreaseDecreaseInBrokeredDeposits" name="IncreaseDecreaseInBrokeredDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_ProceedsFromJuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" name="ProceedsFromJuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_PaymentsOfDividendsWarrants" name="PaymentsOfDividendsWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_ProceedsFromFinanceLeaseTransaction" name="ProceedsFromFinanceLeaseTransaction" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_NetGainsLossesOnSalesOfLoansAndForeclosedRealEstate" name="NetGainsLossesOnSalesOfLoansAndForeclosedRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_CommunityServiceActivities" name="CommunityServiceActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_UnrealizedHoldingLossesArisingDuringThePeriod" name="UnrealizedHoldingLossesArisingDuringThePeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax" name="OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax" name="OtherComprehensiveIncomeLossUnrealizedHoldingGainLossOnSecuritiesTransferredToHeldToMaturityArisingDuringPeriodTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_ExchangeOfCommonSharesToPreferredShares" name="ExchangeOfCommonSharesToPreferredShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_EsopSharesEarned" name="EsopSharesEarned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_DividendsWarrant" name="DividendsWarrant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_CapitalTransferFromAffiliates" name="CapitalTransferFromAffiliates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_CumulativeEffectOfAffiliateCapitalAllocation" name="CumulativeEffectOfAffiliateCapitalAllocation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_DistributionsFromAffiliates" name="DistributionsFromAffiliates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_CommonStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses" name="CommonStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_PreferredStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses" name="PreferredStockIssuedDuringPeriodValuePrivatePlacementNetOfExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_UnearnedEsopMember" name="UnearnedEsopMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_WarrantDividendsPerShareDeclared" name="WarrantDividendsPerShareDeclared" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_CastleCreekMember" name="CastleCreekMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_SecuritiesPurchaseAgreementMember" name="SecuritiesPurchaseAgreementMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_SubscriptionAgreementsMember" name="SubscriptionAgreementsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DirectorsAndExecutiveOfficersMember" name="DirectorsAndExecutiveOfficersMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ProceedsFromSaleOfAndRedemptionsOfAbstract" name="ProceedsFromSaleOfAndRedemptionsOfAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TransferOfLoansToForeclosedRealEstate" name="TransferOfLoansToForeclosedRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_CollateralDepositsForHedgePositionIncludedInCashAndDueFromBanks" name="CollateralDepositsForHedgePositionIncludedInCashAndDueFromBanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_AllowanceForLoanLossesAbstract" name="AllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EmployeeStockOwnershipPlanTextBlock" name="EmployeeStockOwnershipPlanTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_EmployeeStockOwnershipPlanAbstract" name="EmployeeStockOwnershipPlanAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ConversionAndReorganizationTextBlock" name="ConversionAndReorganizationTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ConversionAndReorganizationAbstract" name="ConversionAndReorganizationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ExtraordinaryAndUnusualItemsPolicyTextBlock" name="ExtraordinaryAndUnusualItemsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NoncontrollingInterestPolicyTextBlock" name="NoncontrollingInterestPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_FederalHomeLoanBankFhlbStockPolicyTextBlock" name="FederalHomeLoanBankFhlbStockPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_IncomeRecognitionOnImpairedAndNonAccrualLoansPolicyTextBlock" name="IncomeRecognitionOnImpairedAndNonAccrualLoansPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MortgageServicingRightsPolicyTextBlock" name="MortgageServicingRightsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_SummaryOfPurchasedLoansPoolsTableTextBlock" name="SummaryOfPurchasedLoansPoolsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_AverageRecordedInvestmentInImpairedLoansTableTextBlock" name="AverageRecordedInvestmentInImpairedLoansTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_CashBasisInterestIncomeRecognizedOnImpairedLoansTableTextBlock" name="CashBasisInterestIncomeRecognizedOnImpairedLoansTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ScheduleOfAllowanceForLoanLossesOnBasisOfCalculationMethodologyTableTextBlock" name="ScheduleOfAllowanceForLoanLossesOnBasisOfCalculationMethodologyTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ScheduleOfDepositsByTypeTableTextBlock" name="ScheduleOfDepositsByTypeTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ComponentsOfSubordinatedBorrowingsTableTextBlock" name="ComponentsOfSubordinatedBorrowingsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ScheduleOfRepaymentsOfSubordinatedBorrowingsTableTextBlock" name="ScheduleOfRepaymentsOfSubordinatedBorrowingsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ScheduleOfSupplementalCashFlowInformationRelatedToLeasesTableTextBlock" name="ScheduleOfSupplementalCashFlowInformationRelatedToLeasesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ScheduleOfSupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock" name="ScheduleOfSupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ScheduleOfLoanPortfolioByCollateralTypeWithinMajorCategoriesTableTextBlock" name="ScheduleOfLoanPortfolioByCollateralTypeWithinMajorCategoriesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfWhollyOwnedSubsidiaries" name="NumberOfWhollyOwnedSubsidiaries" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ConsolidationOfMembershipInterestInSubsidiary" name="ConsolidationOfMembershipInterestInSubsidiary" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NatureOfOperationsAbstract" name="NatureOfOperationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NetProceedsFromIssuanceOfPrivatePlacement" name="NetProceedsFromIssuanceOfPrivatePlacement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_NatureOfOperationsLineItems" name="NatureOfOperationsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NatureOfOperationsTable" name="NatureOfOperationsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_FitzGibbonsAgencyLLCMember" name="FitzGibbonsAgencyLLCMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PathfinderRiskManagementCompanyIncMember" name="PathfinderRiskManagementCompanyIncMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_SBLFPreferredStockMember" name="SBLFPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NumberOfOfficesLocatedInOswegoCounty" name="NumberOfOfficesLocatedInOswegoCounty" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfOfficesLocatedInOnondagaCounty" name="NumberOfOfficesLocatedInOnondagaCounty" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfLoanProductionOfficeLocatedInOneidaCounty" name="NumberOfLoanProductionOfficeLocatedInOneidaCounty" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MinimumCommercialRealEstateLoansAmountRequiredForAdditionalReview" name="MinimumCommercialRealEstateLoansAmountRequiredForAdditionalReview" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_SignificantGroupConcentrationsOfCreditRiskAbstract" name="SignificantGroupConcentrationsOfCreditRiskAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_AdvertisingContractsMaturityDescription" name="AdvertisingContractsMaturityDescription" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MaturityPeriodForClassificationAsCashAndCashEquivalentsMaximum" name="MaturityPeriodForClassificationAsCashAndCashEquivalentsMaximum" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MaximumPercentageForEstimatingSpecificAndGeneralLosses" name="MaximumPercentageForEstimatingSpecificAndGeneralLosses" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_AllowanceForLoansLossesAbstract" name="AllowanceForLoansLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_IndividualResidentialMortgageLoansThresholdForEvaluationsOfImpairment" name="IndividualResidentialMortgageLoansThresholdForEvaluationsOfImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_ConsecutiveMonthsOfCurrentPaymentsBeforeNonAccrualTroubledDebtRestructuredLoansAreRestoredToAccrualStatus" name="ConsecutiveMonthsOfCurrentPaymentsBeforeNonAccrualTroubledDebtRestructuredLoansAreRestoredToAccrualStatus" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_IncomeRecognitionOnImpairedAndNonAccrualLoansAbstract" name="IncomeRecognitionOnImpairedAndNonAccrualLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_UnrealizedGainsAvailableForSaleSecurities" name="UnrealizedGainsAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_UnrealizedGainsOnAvailableForSaleSecuritiesTaxEffect" name="UnrealizedGainsOnAvailableForSaleSecuritiesTaxEffect" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_UnrealizedHoldingLossesOnHedgingActivitiesDuringPeriod" name="UnrealizedHoldingLossesOnHedgingActivitiesDuringPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_UnrealizedHoldingLossesOnHedgingActivitiesTaxEffect" name="UnrealizedHoldingLossesOnHedgingActivitiesTaxEffect" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_NetUnrealizedLossOnHedgingActivities" name="NetUnrealizedLossOnHedgingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_UnrealizedLossOnSecuritiesTransferredToHeldToMaturity" name="UnrealizedLossOnSecuritiesTransferredToHeldToMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_UnrealizedLossOnSecuritiesTransferredToHeldToMaturityTaxEffect" name="UnrealizedLossOnSecuritiesTransferredToHeldToMaturityTaxEffect" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_OtherComprehensiveIncomeReclassificationAdjustmentForHeldToMaturityTransferredToAvailableForSaleSecuritiesNetOfTaxes" name="OtherComprehensiveIncomeReclassificationAdjustmentForHeldToMaturityTransferredToAvailableForSaleSecuritiesNetOfTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_AvailableForSaleDebtAndEquitySecuritiesAmortizedCost" name="AvailableForSaleDebtAndEquitySecuritiesAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems" name="ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable" name="ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_MutualFundsUltraShortMortgageFundsMember" name="MutualFundsUltraShortMortgageFundsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_MutualFundsCommonStockFinancialServicesIndustryMember" name="MutualFundsCommonStockFinancialServicesIndustryMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NumberOfSecurities" name="NumberOfSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_InvestmentSecuritiesBookValue" name="InvestmentSecuritiesBookValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_CollateralizedMortgageObligationsOfPrivateLabelMember" name="CollateralizedMortgageObligationsOfPrivateLabelMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_FiftyFourPrivateLabelMortgageBackedSecuritiesMember" name="FiftyFourPrivateLabelMortgageBackedSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TwentyTwoPrivateLabelAssetBackedSecuritiesMember" name="TwentyTwoPrivateLabelAssetBackedSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ThirtyThreePrivateLabelMortgageBackedSecuritiesMember" name="ThirtyThreePrivateLabelMortgageBackedSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TwentyThreePrivateLabelAssetBackedSecuritiesMember" name="TwentyThreePrivateLabelAssetBackedSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PrivateLabelAssetsBackedSecuritiesRatedMember" name="PrivateLabelAssetsBackedSecuritiesRatedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PrivateLabelMortgagedBackedSecuritiesNotRatedMember" name="PrivateLabelMortgagedBackedSecuritiesNotRatedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OnePrivateLabelAssetBackedSecuritiesBySmallBusinessLoansMember" name="OnePrivateLabelAssetBackedSecuritiesBySmallBusinessLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OnePrivateLabelAssetBackedSecuritiesByPrivateIssueStudentLoansMember" name="OnePrivateLabelAssetBackedSecuritiesByPrivateIssueStudentLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OnePrivateLabelAssetBackedSecuritiesByFederallyInsuredStudentLoansMember" name="OnePrivateLabelAssetBackedSecuritiesByFederallyInsuredStudentLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OnePrivateLabelCollateralizedMortgageObligationSecuritiesByResidentialMortgageLoansMember" name="OnePrivateLabelCollateralizedMortgageObligationSecuritiesByResidentialMortgageLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NRSROPMember" name="NRSROPMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_AggregateOfAvailableForSaleSecuritiesDebtMaturitiesAmortizedCostBasis" name="AggregateOfAvailableForSaleSecuritiesDebtMaturitiesAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_AggregateOfHeldToMaturitySecuritiesDebtMaturitiesFairValue" name="AggregateOfHeldToMaturitySecuritiesDebtMaturitiesFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_AggregateOfHeldToMaturitySecuritiesDebtMaturitiesCarryingAmount" name="AggregateOfHeldToMaturitySecuritiesDebtMaturitiesCarryingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_AggregateOfAvailableForSaleSecuritiesDebtMaturitiesFairValue" name="AggregateOfAvailableForSaleSecuritiesDebtMaturitiesFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_AvailableForSaleSecuritiesDebtMaturitiesFairValueNet" name="AvailableForSaleSecuritiesDebtMaturitiesFairValueNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions" name="HeldToMaturityNumberOfSecuritiesInUnrealizedLossPositions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrMoreAmortizedHistoricalCostBasis" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrMoreAmortizedHistoricalCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_NumberOfSecuritiesHeldToMaturity" name="NumberOfSecuritiesHeldToMaturity" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionGreaterThanTwelveMonthsAmortizedHistoricalCostBasis" name="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionGreaterThanTwelveMonthsAmortizedHistoricalCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_AvailableForSaleSecuritiesOfAmortizedCostBasisAbstract" name="AvailableForSaleSecuritiesOfAmortizedCostBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLossPercentage" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLossPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLossPercentage" name="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAccumulatedLossPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MonthsOfUnrealizedLossPositions" name="MonthsOfUnrealizedLossPositions" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_TotalNumberOfSecuritiesContinuousUnrealizedLossPositionForTwelveMonthsOrMore" name="TotalNumberOfSecuritiesContinuousUnrealizedLossPositionForTwelveMonthsOrMore" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfSecuritiesAmortized" name="NumberOfSecuritiesAmortized" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PercentageOfSecuritiesAmortizedOfTotalSecurities" name="PercentageOfSecuritiesAmortizedOfTotalSecurities" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DebtSecuritiesAggregateAmortizedHistoricalCost" name="DebtSecuritiesAggregateAmortizedHistoricalCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_ProceedsFromSaleOfAvailableForSaleSecuritiesAndHeldToMaturitySecurities" name="ProceedsFromSaleOfAvailableForSaleSecuritiesAndHeldToMaturitySecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_RealizedGainsOnInvestmentsSold" name="RealizedGainsOnInvestmentsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_RealizedLossesOnSaleOfInvestments" name="RealizedLossesOnSaleOfInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_GainLossOnSaleOfInvestmentsExcludingRealizedGainOnMarketableEquitySecurity" name="GainLossOnSaleOfInvestmentsExcludingRealizedGainOnMarketableEquitySecurity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_SecuritiesPledgedToCollateralizeDeposit" name="SecuritiesPledgedToCollateralizeDeposit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_SecuritiesPledgedToCollateralizeBorrowing" name="SecuritiesPledgedToCollateralizeBorrowing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_FamilyFirstLienResidentialMortgages1To4ExcludingLoansHeldForSaleMember" name="FamilyFirstLienResidentialMortgages1To4ExcludingLoansHeldForSaleMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_LoansHeldForSaleMember" name="LoansHeldForSaleMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_LinesOfCreditMember" name="LinesOfCreditMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OtherCommercialAndIndustrialMember" name="OtherCommercialAndIndustrialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TaxExemptLoansMember" name="TaxExemptLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PaycheckProtectionProgramLoansMember" name="PaycheckProtectionProgramLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_HomeEquityAndJuniorLiensMember" name="HomeEquityAndJuniorLiensMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OtherConsumerFinancingReceivableMember" name="OtherConsumerFinancingReceivableMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_LoansAndLeasesReceivableAmortizedCost" name="LoansAndLeasesReceivableAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_DebtInstrumentPrincipalOutstanding" name="DebtInstrumentPrincipalOutstanding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_ParticipatingInterestOfAcquiredLoanPercentage" name="ParticipatingInterestOfAcquiredLoanPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfLoansOutstanding" name="NumberOfLoansOutstanding" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MaturityPeriodOfAcquiredLoan" name="MaturityPeriodOfAcquiredLoan" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PurchasedUnsecuredConsumerLoanPool1Member" name="PurchasedUnsecuredConsumerLoanPool1Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PurchasedUnsecuredConsumerLoanPool2Member" name="PurchasedUnsecuredConsumerLoanPool2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PurchasedUnsecuredConsumerLoanPool3Member" name="PurchasedUnsecuredConsumerLoanPool3Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PurchasedUnsecuredConsumerLoanPool4Member" name="PurchasedUnsecuredConsumerLoanPool4Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TroubledDebtRestructuringDuringPriorTwelveMonthsMember" name="TroubledDebtRestructuringDuringPriorTwelveMonthsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PercentageOfTotalLoanPortfolio" name="PercentageOfTotalLoanPortfolio" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfDaysPastDueBeforeLoanIsClassifiedAsSpecialMention" name="NumberOfDaysPastDueBeforeLoanIsClassifiedAsSpecialMention" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfConsecutiveMonthsCurrentBeforeLoanIsUpgraded" name="NumberOfConsecutiveMonthsCurrentBeforeLoanIsUpgraded" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ResidentialMortgageAndConsumerLoansMember" name="ResidentialMortgageAndConsumerLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NumberOfDaysPastDueBeforeLoanIsClassifiedAsSubstandard" name="NumberOfDaysPastDueBeforeLoanIsClassifiedAsSubstandard" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_LoanHeldForSaleMember" name="LoanHeldForSaleMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_FamilyFirstLienResidentialMortgages1To4Member" name="FamilyFirstLienResidentialMortgages1To4Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_CommercialAndIndustrialMember" name="CommercialAndIndustrialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_WithNoRelatedAllowanceRecordedAbstract" name="WithNoRelatedAllowanceRecordedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_WithAllowanceRecordedAbstract" name="WithAllowanceRecordedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TotalAbstract" name="TotalAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ResidentialMortgageConstructionMember" name="ResidentialMortgageConstructionMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PaycheckProtectionProgramMember" name="PaycheckProtectionProgramMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_UnallocatedMember" name="UnallocatedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_AllowanceForLoanLossesOnBasisOfCalculationMethodologyAbstract" name="AllowanceForLoanLossesOnBasisOfCalculationMethodologyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ServicingAssetAtCarryingValueAmount" name="ServicingAssetAtCarryingValueAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_CapitalizedServicingAssetAtCarryingValueAmount" name="CapitalizedServicingAssetAtCarryingValueAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_AcquiredSubsidiaryOneMember" name="AcquiredSubsidiaryOneMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_AcquiredSubsidiaryTwoMember" name="AcquiredSubsidiaryTwoMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DepositsLineItems" name="DepositsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DepositsTable" name="DepositsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NonBrokeredDepositMember" name="NonBrokeredDepositMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_BrokeredDepositMember" name="BrokeredDepositMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderOneYearInterestRate" name="FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderOneYearInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderTwoYearInterestRate" name="FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderTwoYearInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateWithinTenYearsInterestRate" name="FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateWithinTenYearsInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_CarryingValueOfResidentialMortgageLoansPledgedUnderBlanketCollateralAgreement" name="CarryingValueOfResidentialMortgageLoansPledgedUnderBlanketCollateralAgreement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_CarryingValueOfFhlbStockPledgedUnderBlanketCollateralAgreement" name="CarryingValueOfFhlbStockPledgedUnderBlanketCollateralAgreement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_NumberOfCorrespondingBanksWithLineOfCreditAvailable" name="NumberOfCorrespondingBanksWithLineOfCreditAvailable" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_LineOfCreditFacilityMaximumBorrowingCapacityUnsecuredBasis" name="LineOfCreditFacilityMaximumBorrowingCapacityUnsecuredBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_LineOfCreditFacilityMaximumBorrowingCapacityRequiringCollateral" name="LineOfCreditFacilityMaximumBorrowingCapacityRequiringCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_FederalReserveBankOfNewYorkMember" name="FederalReserveBankOfNewYorkMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OtherCorrespondingBanksMember" name="OtherCorrespondingBanksMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DebtInstrumentCallProvisionOnTrustSecurities" name="DebtInstrumentCallProvisionOnTrustSecurities" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DebtInstrumentTermOfVariableRate" name="DebtInstrumentTermOfVariableRate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PathfinderStatutoryTrustIiMember" name="PathfinderStatutoryTrustIiMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OriginationAndLegalFees" name="OriginationAndLegalFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_SubordinatedTermLoanMember" name="SubordinatedTermLoanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_MaturitiesOfLongTermDebtInterestRateAbstract" name="MaturitiesOfLongTermDebtInterestRateAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_LongTermDebtMaturitiesSummaryByInterestRateWithinFiveYearsInterestRate" name="LongTermDebtMaturitiesSummaryByInterestRateWithinFiveYearsInterestRate" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_LongTermDebtMaturitiesSummaryByInterestRateWithinTenYearsInterestRate" name="LongTermDebtMaturitiesSummaryByInterestRateWithinTenYearsInterestRate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MinimumYearsOfServiceToParticipateInHealthAndLifeInsuranceBenefitsAsOfJanuary11995" name="MinimumYearsOfServiceToParticipateInHealthAndLifeInsuranceBenefitsAsOfJanuary11995" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DirectorsAndCertainExecutiveOfficersMember" name="DirectorsAndCertainExecutiveOfficersMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DefinedBenefitPlanAmountsRecognizedInAccumulatedOtherComprehensiveLossAbstract" name="DefinedBenefitPlanAmountsRecognizedInAccumulatedOtherComprehensiveLossAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_GainsOrLossesGreaterOfBenefitObligationOrFairValueOfAssetsAmortizedOverAverageRemainingServicePeriod" name="GainsOrLossesGreaterOfBenefitObligationOrFairValueOfAssetsAmortizedOverAverageRemainingServicePeriod" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRealRateLongTermReturnOnAssets" name="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRealRateLongTermReturnOnAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationLongTermInflationRate" name="DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationLongTermInflationRate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssetsNextFiscalYear" name="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssetsNextFiscalYear" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DefinedBenefitPlanAssumptionsUsedCalculatingDecreaseInBasisPointExpectedLongTermReturnOnAssets" name="DefinedBenefitPlanAssumptionsUsedCalculatingDecreaseInBasisPointExpectedLongTermReturnOnAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DefinedBenefitPlanDecreaseInExpectedReturnOnLongTermRateOfReturn" name="DefinedBenefitPlanDecreaseInExpectedReturnOnLongTermRateOfReturn" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_DefinedBenefitPlanPercentageOfDecreaseInExpectedReturnOnLongTermRateOfReturn" name="DefinedBenefitPlanPercentageOfDecreaseInExpectedReturnOnLongTermRateOfReturn" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PensionAndOtherPostretirementBenefitPlansExpectedNetPeriodicBenefitCostInNextFiscalYear" name="PensionAndOtherPostretirementBenefitPlansExpectedNetPeriodicBenefitCostInNextFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_NumberOfFundsInWhichPlanAssetsInvested" name="NumberOfFundsInWhichPlanAssetsInvested" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_EstimatedRetirementLifeOfAssetsInTheTrust" name="EstimatedRetirementLifeOfAssetsInTheTrust" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfStocksHeldInPortfolioApproximate" name="NumberOfStocksHeldInPortfolioApproximate" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DebtSecurityMaturityTerm" name="DebtSecurityMaturityTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MarketCapitalizations" name="MarketCapitalizations" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PercentageOfFundAssetsInInvestmentGradeFixedIncomeSecurities" name="PercentageOfFundAssetsInInvestmentGradeFixedIncomeSecurities" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PercentageOfTargetInvestmentsInMortgageBackedSecurities" name="PercentageOfTargetInvestmentsInMortgageBackedSecurities" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfFundsInAssetsCategory" name="NumberOfFundsInAssetsCategory" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfInvestmentsInFundAssetsInInvestmentGradeFixedIncomeSecurities" name="NumberOfInvestmentsInFundAssetsInInvestmentGradeFixedIncomeSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PercentageOfTotalAssetsInvestedInEquitySecurities" name="PercentageOfTotalAssetsInvestedInEquitySecurities" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract1" name="DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract1" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DeferredCompensationArrangementWithIndividualBenefitPaymentAge" name="DeferredCompensationArrangementWithIndividualBenefitPaymentAge" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PeriodForInvoluntaryTerminationOrResignationFollowingChangeInControl" name="PeriodForInvoluntaryTerminationOrResignationFollowingChangeInControl" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PeriodForBenefitPaymentInEventOfDeathDisabilityOrTerminationFollowingChangeInControl" name="PeriodForBenefitPaymentInEventOfDeathDisabilityOrTerminationFollowingChangeInControl" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfAnnualInstallmentsForBenefitPayments" name="NumberOfAnnualInstallmentsForBenefitPayments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_PeriodForDeathDisabilityOrTerminationFollowingChangeInControl" name="PeriodForDeathDisabilityOrTerminationFollowingChangeInControl" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_CommonStockConversionOfEachShare" name="CommonStockConversionOfEachShare" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_April2010StockOptionGrantsMember" name="April2010StockOptionGrantsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ChiefExecutiveOfficerAndSeniorVicePresidentMember" name="ChiefExecutiveOfficerAndSeniorVicePresidentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_SeniorOfficerMember" name="SeniorOfficerMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_May2016StockOptionGrantsMember" name="May2016StockOptionGrantsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DirectorAndOfficerMember" name="DirectorAndOfficerMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ChiefExecutiveOfficerExecutiveOfficersAndSeniorOfficerMember" name="ChiefExecutiveOfficerExecutiveOfficersAndSeniorOfficerMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EmployeeIncentiveStockOptionAndNonQualifiedStockOptionMember" name="EmployeeIncentiveStockOptionAndNonQualifiedStockOptionMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EmployeeIncentiveStockOptionMember" name="EmployeeIncentiveStockOptionMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EmployeeNonQualifiedStockOptionMember" name="EmployeeNonQualifiedStockOptionMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_May2016RestrictedStockUnitGrantsMember" name="May2016RestrictedStockUnitGrantsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EmployeeStockOptionAndRestrictedStockUnitsMember" name="EmployeeStockOptionAndRestrictedStockUnitsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NumberOfStockUnitsBeneficiaries" name="NumberOfStockUnitsBeneficiaries" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_EmployeeStockOwnershipPlanEsopAwardVestingPeriodPercentagePerYear" name="EmployeeStockOwnershipPlanEsopAwardVestingPeriodPercentagePerYear" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardTermOfAward" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardTermOfAward" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfBeneficiariesWhoseAwardVestUponRetirement" name="NumberOfBeneficiariesWhoseAwardVestUponRetirement" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNewlyVested" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNewlyVested" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsNewlyVestedInPeriodWeightedAverageExercisePrice" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsNewlyVestedInPeriodWeightedAverageExercisePrice" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableGrantsInPeriodGross" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableGrantsInPeriodGross" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumberOfNewlyVestedExercisableShares" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumberOfNewlyVestedExercisableShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableExercisesInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableExercisesInPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableExpirationsInPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableExpirationsInPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableGrantsInPeriodWeightedAverageExercisePrice" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableGrantsInPeriodWeightedAverageExercisePrice" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNewlyVestedInPeriodWeightedAverageExercisePrice" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNewlyVestedInPeriodWeightedAverageExercisePrice" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableExercisedInPeriodWeightedAverageExercisePrice" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableExercisedInPeriodWeightedAverageExercisePrice" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableExpirationInPeriodWeightedAverageExercisePrice" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableExpirationInPeriodWeightedAverageExercisePrice" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePriceRollforward" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePriceRollforward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EstimatedFutureCompensationExpenseNextFiscalYear" name="EstimatedFutureCompensationExpenseNextFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_EstimatedFutureCompensationExpenseInYearTwo" name="EstimatedFutureCompensationExpenseInYearTwo" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_EstimatedFutureCompensationExpenseInYearThree" name="EstimatedFutureCompensationExpenseInYearThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_EstimatedFutureCompensationExpenseAbstract" name="EstimatedFutureCompensationExpenseAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EmployeeStockOwnershipPlanEsopDebtStructureEmployerLoanTerm" name="EmployeeStockOwnershipPlanEsopDebtStructureEmployerLoanTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_EsopMember" name="EsopMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EmployeeStockOwnershipPlanESOPSharesAssociatedWithRefinanceLoan" name="EmployeeStockOwnershipPlanESOPSharesAssociatedWithRefinanceLoan" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_EmployeeStockOwnershipPlanESOPSharesAssociatedWithNewLoan" name="EmployeeStockOwnershipPlanESOPSharesAssociatedWithNewLoan" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DeferredTaxAssetsLiabilitiesNetBeforeValuationAllowance" name="DeferredTaxAssetsLiabilitiesNetBeforeValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_ModificationsAvailableToCommunityBanksForMaximumAmountOfAssetsOfBanksRegardingDeductionsInInterestIncome" name="ModificationsAvailableToCommunityBanksForMaximumAmountOfAssetsOfBanksRegardingDeductionsInInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_IncomeTaxesLineItems" name="IncomeTaxesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_IncomeTaxesTable" name="IncomeTaxesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_CarrybackYearsMember" name="CarrybackYearsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EffectiveIncomeTaxRateReconciliationIncreaseInValueOfBankOwnedLifeInsuranceLessPremiumPaid" name="EffectiveIncomeTaxRateReconciliationIncreaseInValueOfBankOwnedLifeInsuranceLessPremiumPaid" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_EffectiveIncomeTaxRateReconciliationNetOperatingLossCarryBackReceivableNetOfFederalBenfit" name="EffectiveIncomeTaxRateReconciliationNetOperatingLossCarryBackReceivableNetOfFederalBenfit" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_UnfundedCommitmentsUnderLinesOfCreditMember" name="UnfundedCommitmentsUnderLinesOfCreditMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_UnfundedCommitmentsRelatedToConstructionLoansInProgressMember" name="UnfundedCommitmentsRelatedToConstructionLoansInProgressMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TermOfLettersOfCreditMaximum" name="TermOfLettersOfCreditMaximum" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_LoanCommitmentsOutstandingWithVariableInterestRates" name="LoanCommitmentsOutstandingWithVariableInterestRates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_LoanCommitmentsOutstandingWithFixedInterestRates" name="LoanCommitmentsOutstandingWithFixedInterestRates" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_CARESActMember" name="CARESActMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_CommunityBankLeverageRatioAmount" name="CommunityBankLeverageRatioAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_CommonEquityTierOneCapitalToRiskWeightedAssets" name="CommonEquityTierOneCapitalToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_CapitalConservationBufferPercentageOfRiskWeightedAssets" name="CapitalConservationBufferPercentageOfRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_TierOneRiskBasedCommonEquity" name="TierOneRiskBasedCommonEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_ActualAbstract" name="ActualAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TierOneRiskBasedCommonEquityToRiskWeightedAssets" name="TierOneRiskBasedCommonEquityToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_TierOneRiskBasedCommonEquityToCapitalRequiredForCapitalAdequacy" name="TierOneRiskBasedCommonEquityToCapitalRequiredForCapitalAdequacy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_ForCapitalAdequacyPurposesAbstract" name="ForCapitalAdequacyPurposesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TierOneRiskBasedCommonEquityForCapitalAdequacyToRiskWeightedAssets" name="TierOneRiskBasedCommonEquityForCapitalAdequacyToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ForCapitalAdequacyPurposesRatioAbstract" name="ForCapitalAdequacyPurposesRatioAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TierOneRiskBasedCommonEquitytToBeWellCapitalized" name="TierOneRiskBasedCommonEquitytToBeWellCapitalized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" name="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsAmountAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_TierOneRiskBasedCommonEquityToBeWellCapitalizedToRiskWeightedAssets" name="TierOneRiskBasedCommonEquityToBeWellCapitalizedToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" name="ToBeWellCapitalizedUnderPromptCorrectiveActionProvisionsRatioAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_CapitalRequiredToBeWellCapitalizedWithBuffer" name="CapitalRequiredToBeWellCapitalizedWithBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedWithBuffer" name="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedWithBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_TierOneRiskBasedCommonEquityToBeWellCapitalizedWithBuffer" name="TierOneRiskBasedCommonEquityToBeWellCapitalizedWithBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_TierOneLeverageCapitalRequiredToBeWellCapitalizedWithBuffer" name="TierOneLeverageCapitalRequiredToBeWellCapitalizedWithBuffer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_MinimumForCapitalAdequacyWithBufferAmountAbstract" name="MinimumForCapitalAdequacyWithBufferAmountAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_CapitalRequiredToBeWellCapitalizedWithBufferToRiskWeightedAssets" name="CapitalRequiredToBeWellCapitalizedWithBufferToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedWithBufferToRiskWeightedAssets" name="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedWithBufferToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_TierOneRiskBasedCommonEquityToBeWellCapitalizedWithBufferToRiskWeightedAssets" name="TierOneRiskBasedCommonEquityToBeWellCapitalizedWithBufferToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_TierOneLeverageCapitalRequiredToBeWellCapitalizedWithBufferToAverageAssets" name="TierOneLeverageCapitalRequiredToBeWellCapitalizedWithBufferToAverageAssets" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_MinimumForCapitalAdequacyWithBufferPercentageAbstract" name="MinimumForCapitalAdequacyWithBufferPercentageAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_BankingRegulationReserveRequirementRatio" name="BankingRegulationReserveRequirementRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_LoanReceivableMember" name="LoanReceivableMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DerivativeOneTimePremiumPaidForContract" name="DerivativeOneTimePremiumPaidForContract" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_DerivativeContractualObligationsToCounterpartyOfContract" name="DerivativeContractualObligationsToCounterpartyOfContract" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_AnnualAverageDerivativeBasisPoints" name="AnnualAverageDerivativeBasisPoints" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DerivativeEffectOnRecordedInterestExpense" name="DerivativeEffectOnRecordedInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_DerivativeUnamortizedPremium" name="DerivativeUnamortizedPremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_DerivativeUnamortizedCap" name="DerivativeUnamortizedCap" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_NumberOfSwapContracts" name="NumberOfSwapContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfHedgeSecurities" name="NumberOfHedgeSecurities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_DerivativeContractCashInEscrowUnderCollateralArrangements" name="DerivativeContractCashInEscrowUnderCollateralArrangements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_EquitySecurityInvestmentsOneMember" name="EquitySecurityInvestmentsOneMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EquitySecurityInvestmentsTwoMember" name="EquitySecurityInvestmentsTwoMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DebtInvestmentSecuritiesAbstract" name="DebtInvestmentSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_EquityInvestmentSecuritiesAbstract" name="EquityInvestmentSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NonrecurringBasisAbstract" name="NonrecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ImpairedLoansFairValueDisclosure" name="ImpairedLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_ImpairedLoansMember" name="ImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_TimeDepositsFairValueDisclosure" name="TimeDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_JuniorSubordinatedDebenturesFairValueDisclosure" name="JuniorSubordinatedDebenturesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_AccruedInterestPayableFairValueDisclosure" name="AccruedInterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_ExpensesInterestExpenseAndOtherOperatingExpenses" name="ExpensesInterestExpenseAndOtherOperatingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_DirectorsExecutiveOfficersAndAffiliatesMember" name="DirectorsExecutiveOfficersAndAffiliatesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PurchasePriceOfProperty" name="PurchasePriceOfProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_ProjectDevelopmentCost" name="ProjectDevelopmentCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_LeaseCommencementDate" name="LeaseCommencementDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_GrossProceedsFromIssuanceOfCommonStock" name="GrossProceedsFromIssuanceOfCommonStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_AccumulatedNetUnrealizedInvestmentIncomeLossHeldToMaturitySecuritiesMember" name="AccumulatedNetUnrealizedInvestmentIncomeLossHeldToMaturitySecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_InsufficientFundsFeesDepositAccountMember" name="InsufficientFundsFeesDepositAccountMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DepositRelatedFeesDepositAccountMember" name="DepositRelatedFeesDepositAccountMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ATMFeesDepositAccountMember" name="ATMFeesDepositAccountMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_InsuranceCommissionsMember" name="InsuranceCommissionsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_InvestmentServicesRevenueMember" name="InvestmentServicesRevenueMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ATMFeesSurchargeMember" name="ATMFeesSurchargeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_BankingHouseRentsCollectedMember" name="BankingHouseRentsCollectedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_FeeIncomeMember" name="FeeIncomeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NetGainsLossesOnSaleOfLoansAndForeclosedRealEstateMember" name="NetGainsLossesOnSaleOfLoansAndForeclosedRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_LesseeOperatingLeasesRemainingLeaseTerm" name="LesseeOperatingLeasesRemainingLeaseTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_FinanceLeaseCost" name="FinanceLeaseCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract" name="CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_FinanceLeasesAbstract" name="FinanceLeasesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_WeightedAverageRemainingLeaseTermAbstract" name="WeightedAverageRemainingLeaseTermAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_WeightedAverageDiscountRateAbstract" name="WeightedAverageDiscountRateAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PercentageOfDecreaseInFederalFundsRateTarget" name="PercentageOfDecreaseInFederalFundsRateTarget" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_BasisPointReductionInTargetFederalFundsRate" name="BasisPointReductionInTargetFederalFundsRate" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_TotalRelatedCreditsMember" name="TotalRelatedCreditsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_PPPLoanMember" name="PPPLoanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ResidentialMortgageOrConsumerLoansMember" name="ResidentialMortgageOrConsumerLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ResidentialAndConsumerLoansMember" name="ResidentialAndConsumerLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_CommercialRealEstateOrOtherCommercialAndIndustrialLoansMember" name="CommercialRealEstateOrOtherCommercialAndIndustrialLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NinetyDaysDeferralMember" name="NinetyDaysDeferralMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NonDeferralMember" name="NonDeferralMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_DeferralMember" name="DeferralMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_OneEightyDaysAndBeyondDeferralMember" name="OneEightyDaysAndBeyondDeferralMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_IndividualLoansMember" name="IndividualLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_LoansPayableContractualMaturitiesTermMaximum" name="LoansPayableContractualMaturitiesTermMaximum" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfLoans" name="NumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_LoansApproval" name="LoansApproval" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_InterestOnLoan" name="InterestOnLoan" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_LoanOriginationFees" name="LoanOriginationFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_DeferredFeeIncome" name="DeferredFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xsd:element id="pbhc_PercentageOfOutstandingLoans" name="PercentageOfOutstandingLoans" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfRelatedCreditRelationships" name="NumberOfRelatedCreditRelationships" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_NumberOfIndividualLoans" name="NumberOfIndividualLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_LoansAndLeasesReceivableAverageLoanBalance" name="LoansAndLeasesReceivableAverageLoanBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xsd:element id="pbhc_LoansAndLeasesReceivablePercentOfLoans" name="LoansAndLeasesReceivablePercentOfLoans" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xsd:element id="pbhc_CommercialAndIndustrialLoansMember" name="CommercialAndIndustrialLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_SecuredTermLoansMember" name="SecuredTermLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_UnsecuredTermLoansMember" name="UnsecuredTermLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_AllOtherMember" name="AllOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_MixedUseMember" name="MixedUseMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_AutomobileDealershipMember" name="AutomobileDealershipMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_RecreationOrGolfCourseOrMarinaMember" name="RecreationOrGolfCourseOrMarinaMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_SkilledNursingFacilityMember" name="SkilledNursingFacilityMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_ManufacturingOrIndustrialMember" name="ManufacturingOrIndustrialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_RestaurantMember" name="RestaurantMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_AutomobileRepairMember" name="AutomobileRepairMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_NotForProfitAndCommunityServiceMember" name="NotForProfitAndCommunityServiceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_HospitalsMember" name="HospitalsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="pbhc_WarrantStockDividendsPerShareDeclared" name="WarrantStockDividendsPerShareDeclared" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
</xsd:schema>
