Pathfinder Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Pathfinder Bank. Its balance sheet stood at $1.5 billion at June 30, 2026; it is based in Oswego, New York. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.67% of loans from 1.26% a year earlier. It carries problem assets equal to 26.4% of the capital and reserves that would absorb them, 7.4 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 2.0% over the year, lower than about 9 in 10 banks its size (median 5.9%).
The non-owner-occupied commercial real estate book ($213 million) is worsening: 5.97% of it is past due or on nonaccrual, up from 3.88% a year earlier. The commercial and industrial book ($186 million) is worsening: 7.78% of it is past due or on nonaccrual, up from 6.42% a year earlier.
As of June 30, 2026, Pathfinder Bank reported a CET1 capital ratio of 13.36%, a return on assets of 0.97%, a nonperforming-loan ratio of 4.84% and a Texas ratio of 26.42%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 214 W 1st St, Oswego, NY 13126
- County
- Oswego
- Metro Area
- Syracuse, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 25, 2002
- Offices
- 13 domestic
- Employees (FTE)
- 180
- Domestic deposits
- $1.18B
- Allowance for credit losses
- $26.9M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $1.45B
- Average total loans
- $900.0M
- Average interest-bearing deposits
- $992.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 25, 2002
- FDIC Cert
- 57497
- Fed RSSD
- 729310
- SEC CIK
- 1609065 → filed by PATHFINDER BANCORP, INC.
- Website
- http://www.PATHFINDERBANK.com →
- Parent Holding Company
- PATHFINDER BANCORP, INC. (RSSD 2596776) · PBHC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James A. Dowd | CEO | President and CEO |
| Justin K. Bigham | CFO | Executive Vice President, CFO |
| Joseph Polniak | GC | FVP, General Counsel |
| Mcmanus Joseph Paul | CIO | Senior Vice President, CIO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Pathfinder Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Pathfinder Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Pathfinder Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Pathfinder Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.36% | 0.97% | 4.84% | 26.42% | 3.33% |
| Q1 2026 | 13.59% | 0.92% | 6.14% | 27.60% | 3.37% |
| Q4 2025 | 13.39% | -1.90% | 4.55% | 17.44% | 3.11% |
| Q3 2025 | 13.13% | 0.33% | 4.07% | 15.24% | 3.62% |
| Q2 2025 | 13.62% | 0.11% | 2.69% | 7.81% | 3.33% |
| Q1 2025 | 13.61% | 0.96% | 1.64% | 8.58% | 3.51% |
| Q4 2024 | 13.40% | 1.20% | 2.60% | 14.78% | 3.24% |
| Q3 2024 | 13.26% | -1.13% | 1.99% | 10.92% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pathfinder Bank (main office) | Oswego , NY | 13126 | $279.2M |
| East Syracuse Manlius Branch | East Syracuse , NY | 13057 | $186.2M |
| Mexcio Branch | Mexico , NY | 13114 | $123.7M |
| Cicero Branch | Cicero , NY | 13039 | $105.3M |
| Central Square Branch | Central Square , NY | 13036 | $93.1M |
| Pike Block Business Office Branch | Syracuse , NY | 13202 | $87.9M |
| Lacona Branch | Lacona , NY | 13083 | $74.4M |
| Oswego Plaza Branch | Oswego , NY | 13126 | $69.3M |
| Fulton Branch | Fulton , NY | 13069 | $63.2M |
| Clay Branch | Liverpool , NY | 13090 | $55.5M |
| Southwest Corridor - Syracuse Branch | Syracuse , NY | 13204 | $32.0M |
| Oswego Downtown Drive-Thru Branch | Oswego , NY | 13126 | $12.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2016 | Structure Change | Acquired Pathfinder Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 1994 | Structure Change | Acquired Columbia Banking Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Pathfinder Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- May 28, 2009, OCC (former OTS): Supervisory Agreement: Pathfinder MHC
- Period: Most recent institution action May 28, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 75 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 232 applications, 182 loans originated, $56.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $900K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Pathfinder Bank
What are Pathfinder Bank's total assets?
As of the Q2 2026 filing, Pathfinder Bank reported total assets of $1.49 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pathfinder Bank headquartered?
Pathfinder Bank is headquartered in Oswego, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Pathfinder Bank founded?
Pathfinder Bank was established in 2002, per the FDIC institution directory.
Is Pathfinder Bank FDIC-insured?
Yes. Pathfinder Bank is an FDIC-insured commercial bank (FDIC Certificate #57497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pathfinder Bank?
Pathfinder Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pathfinder Bank's CET1 capital ratio?
Pathfinder Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pathfinder Bank operate?
Pathfinder Bank operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pathfinder Bank's Texas Ratio?
Pathfinder Bank's Texas Ratio is 26.42% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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