Pathfinder Bank
Oswego, NY
IDRSSD: 729310
Total Assets
$1.46B
Latest filing
Total Deposits
$1.23B
Latest filing
Net Interest Margin
3.60%
Profitability
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 11/14/2025Established 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 | 182 |
| 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 | 11/14/2025 |
| CERT | 57497 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.46B |
| Total Deposits | $1.23B |
| Total Liabilities | $1.32B |
| Total Equity Capital | $144.32M |
| Net Income | $1.22M |
| Net Loans and Leases | $879.88M |
| Assets Per Employee ($Millions) | $8.17M |
| Bank Premises and Fixed Assets | $35.97M |
| Cash and Balances due from Depository Institutions | $40.57M |
| Deposits Held in Domestic Offices | $1.23B |
Key Performance Ratios
| Return on Assets (ROA) | 0.33% |
| Return on Equity (ROE) | 3.4% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 62.3% |
| Tier 1 Risk-Based Capital Ratio | 13.452% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.94% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.864% |
| Earning Assets to total Assets | 91.44% |
Income and Expense
| Total Interest Income | $19.82M |
| Total Noninterest Income | $1.17M |
| Total Interest Expense | $7.65M |
| Total Noninterest Expense | $8.47M |
| Net Interest Income | $12.17M |
| Pre-tax Net Operating Income | $1.38M |
| Provision for Credit Losses | $3.50M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $137.00k |
| Other borrowed funds | $74.51M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.12M |
| Total Liabilities and Capital | $1.46B |
Securities
| Securities | $436.79M |
| Available-for-sale debt securities | $294.25M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $142.80M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pathfinder Bank?
$1.46B as of the latest filing.
How much are Pathfinder Bank's total deposits?
$1.23B in total deposits.
Where is Pathfinder Bank located?
Oswego, NY.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
13.
When was it established?
10/25/2002.
What is the Return on Assets (ROA)?
0.33%.
How much are total loans and leases?
$879.88M (latest filing).
What is the total interest income (latest filing)?
$19.82M.