PATHFINDER BANK
PATHFINDER BANK is an FDIC-insured commercial bank headquartered in OSWEGO, NY, established in 2002. As of , 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 3.28%. CET1 capital ratio: 13.39%, well above regulatory minimums. NPL ratio: 4.55% · Texas Ratio: 24.56%. Operates 12 domestic branches.
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Pathfinder Bank rankings
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 13.39% | -1.89% | 4.55% | 24.56% | 3.28% |
| 2025-09-30 | 13.45% | 0.33% | 4.07% | 22.54% | 3.54% |
| 2025-06-30 | 13.62% | 0.11% | 2.69% | 15.54% | 3.30% |
| 2025-03-31 | 13.61% | 0.94% | 1.64% | 9.31% | 3.50% |
| 2024-12-31 | 13.40% | 1.18% | 2.60% | 15.14% | 3.20% |
| 2024-09-30 | 13.26% | -1.15% | 1.99% | 11.70% | 3.52% |
| 2024-06-30 | 14.82% | 0.74% | 3.01% | 16.74% | 2.96% |
| 2024-03-31 | 14.39% | 0.69% | 2.48% | 14.05% | 2.93% |
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Frequently asked about PATHFINDER BANK
What are Pathfinder Bank's total assets?
As of the Q4 2025 filing, Pathfinder Bank reported total assets of $1.42 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 13.39% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Pathfinder Bank operate?
Pathfinder Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Pathfinder Bank's Texas Ratio?
Pathfinder Bank's Texas Ratio is 24.56% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.