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	param	t-stat
$m$	81
$α$	0.0477	12.03
$β$	0.9473	432.56
$γ$	-0.0134	-1.63
$λ_{1}$	10.0000	0.14
$λ_{2}$	0.0000	0.06
$λ_{3}$	0.9995	4,442.30

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Pathfinder Bancorp Inc ILLIQ-MFMEM Liquidity Analysis

Liquidity Prediction for Wednesday, February 18th, 2026:1,323,124.00 (-8,271.00)

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