PATHFINDER BANK

OSWEGO, NY | Large | Est. Oct. 25, 2002, midnight | FDIC #57497 | RSSD #729310 | FDIC
Latest Report: 2025-12-31

PATHFINDER BANK is aln large FDIC-insured commercial bank headquartered in OSWEGO, NY, established in Oct. 25, 2002, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at -1.89% ROA and -19.28% ROE, with a net interest margin of 3.35%. The bank's CET1 capital ratio is 13.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.05% and a Texas Ratio of 16.52%. FDIC Certificate #57497.

Assets

$1.4B

Deposits

$1.2B

Loans

$903M

Equity

$138M

Profitability

Return on Assets (ROA) -1.89%
Return on Equity (ROE) -19.28%
Net Interest Margin (NIM) 3.35%
Yield on Assets 5.54%
Cost of Funds 2.72%

Asset Quality

NPL Ratio 3.05%
Net Charge-Off Ratio 0.47%
Texas Ratio 16.52%
NPA Ratio 1.96%
ACL / Loans 3.26%

Capital & Liquidity

CET1 Ratio 13.39%
Tier 1 Capital 13.39%
Total Capital Ratio 14.66%
Leverage Ratio 9.36%
Loan-to-Deposit 75.71%

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