What is Pathfinder Bank's financial health grade?

Pathfinder Bank has a TFS Financial Health Grade of D- (score: 60.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Pathfinder Bank have?

Pathfinder Bank has 13 branch locations across the United States.

Is Pathfinder Bank FDIC insured?

Yes, Pathfinder Bank is FDIC insured (Certificate #57497).

What are the total assets of Pathfinder Bank?

Pathfinder Bank has total assets of $1.4B as reported in its most recent FDIC filing.

Pathfinder Bank

BankOswego, New York

http://www.PATHFINDERBANK.com

Total Assets

$1.4B

Total Deposits

$1.2B

Branches

Established

2002

TFS Health Grade

D-

60.8 / 100

Below average financial health

How we grade

Pathfinder Bank is a bank headquartered in Oswego, New York, established in 2002. With $1.4B in total assets and 13 branch locations, it has a TFS Financial Health Grade of D- (60.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.36%(8%)

Total Capital Ratio

14.66%(10%)

Non-Performing Loan Ratio

3.05%

Profitability

Return on Assets (ROA)

-0.12%(1%)

Return on Equity (ROE)

-1.21%(10%)

Net Interest Margin

3.47%

Efficiency Ratio

68.20%(60%)

Lending & Liquidity

Total Loans

$902.6M

Loan-to-Deposit Ratio

73.24%

Net Charge-Off Ratio

0.46%

Growth

Asset Growth (YoY)

-3.58%

Deposit Growth (YoY)

-1.61%

Net Income

$-1,720,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Pathfinder BankHQ	214 W 1st St	Oswego	NY	11
Pathfinder Bank	3025 East Ave	Central Square	NY	11
Pathfinder Bank	6194 State Route 31	Cicero	NY	11
Pathfinder Bank	6611 Manlius Center Rd	East Syracuse	NY	11
Pathfinder Bank	5 W 1st St S	Fulton	NY	11
Pathfinder Bank	1897 Harwood Dr	Lacona	NY	11
Pathfinder Bank	3775 Route 31	Liverpool	NY	11
Pathfinder Bank	3361 Main St	Mexico	NY	11
Pathfinder Bank	291 State Route 104	Oswego	NY	11
Pathfinder Bank	34 E Bridge St	Oswego	NY	23
Pathfinder Bank	109 W Fayette St	Syracuse	NY	11
Pathfinder Bank	506 W Onondaga St	Syracuse	NY	11
Pathfinder Bank	258 Genesee St	Utica	NY	24

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.