Pathfinder Bank
Oswego, NY
IDRSSD: 729310
Total Assets
$1.42B
Latest filing
Total Deposits
$1.19B
Latest filing
Net Interest Margin
3.36%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221370894OSWEGO, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Pathfinder Bank
214 W 1st St
Oswego, NY 13126
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/25/2002FDIC Certificate 364350
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Pathfinder Bank (Main) | 214 W 1st St | Oswego, NY |
| OSWEGO PLAZA BRANCH | 291 State Route 104 | Oswego, NY |
| MEXCIO BRANCH | 3361 Main St | Mexico, NY |
| OSWEGO DOWNTOWN DRIVE-THRU BRANCH | 34 E Bridge St | Oswego, NY |
| FULTON BRANCH | 5 W 1st St S | Fulton, NY |
| LACONA BRANCH | 1897 Harwood Dr | Lacona, NY |
| CENTRAL SQUARE BRANCH | 3025 East Ave | Central Square, NY |
| CICERO BRANCH | 6194 State Route 31 | Cicero, NY |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/25/2002 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13126 |
| State and County Number | 36075 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Syracuse, NY |
Operational Info
| Number of Employees | 179 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/19/2024 |
| Date of Deposit Insurance | 10/25/2002 |
| Primary Insurance Agency | DIF |
| Website | http://www.PATHFINDERBANK.com |
| Data Updated | 01/30/2026 |
| CERT | 57497 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.42B |
| Total Deposits | $1.19B |
| Total Liabilities | $1.28B |
| Total Equity Capital | $138.22M |
| Net Income | $-6,810,000 |
| Net Loans and Leases | $873.14M |
| Assets Per Employee ($Millions) | $8.09M |
| Bank Premises and Fixed Assets | $34.99M |
| Cash and Balances due from Depository Institutions | $31.16M |
| Deposits Held in Domestic Offices | $1.19B |
Key Performance Ratios
| Return on Assets (ROA) | -1.89% |
| Return on Equity (ROE) | -19.28% |
| Net Interest Margin | 3.36% |
| Efficiency Ratio | 73.23% |
| Tier 1 Risk-Based Capital Ratio | 13.386% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 3.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.758% |
| Earning Assets to total Assets | 91.76% |
Income and Expense
| Total Interest Income | $18.34M |
| Total Noninterest Income | $485.00k |
| Total Interest Expense | $7.26M |
| Total Noninterest Expense | $8.63M |
| Net Interest Income | $11.09M |
| Pre-tax Net Operating Income | $-8,252,000 |
| Provision for Credit Losses | $11.19M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $137.00k |
| Other borrowed funds | $75.77M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.36M |
| Total Liabilities and Capital | $1.42B |
Securities
| Securities | $406.93M |
| Available-for-sale debt securities | $276.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $130.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pathfinder Bank?
$1.42B as of the latest filing.
How much are Pathfinder Bank's total deposits?
$1.19B in total deposits.
Where is Pathfinder Bank located?
Oswego, NY.
What is the Net Interest Margin?
3.36%.
How many domestic offices does it operate?
13.
When was it established?
10/25/2002.
What is the Return on Assets (ROA)?
-1.89%.
How much are total loans and leases?
$873.14M (latest filing).
What is the total interest income (latest filing)?
$18.34M.