Pathfinder Bank
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Data as of · sourced from FFIEC call reports. How we update
Pathfinder Bank is an FDIC-insured commercial bank headquartered in Oswego, NY, established in 2002 (FDIC certificate 57497), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.49B, down 0.7% from Q2 2025, the 43rd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 13.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57497
- Headquarters
- Oswego, NY
- Established
- 2002
- Total assets, Q2 2026
- $1.49B
- Assets vs Q2 2025
- -0.7%
- CET1 ratio, Q2 2026
- 13.36%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 221370894
- Holding company
- PATHFINDER BANCORP, INC.
- Asset rank in state
- 43rd of 105 in New York
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 4.69% and a Texas ratio of 26.42%. The figures come from its call report filed with the FFIEC.
Pathfinder Bank ranks as the 43rd largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.0% to $1.49B, loans fell 0.7% and deposits fell 3.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.0% of total loans, followed by non-owner-occupied commercial real estate loans at 23.8%. Its 12 offices in the FDIC Summary of Deposits are in 9 cities in NY; its Oswego 3 offices book 31% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pathfinder Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 13 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Pathfinder Bank's total assets ranged from $1.39B (Q3 2023) to $1.50B (Q2 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.49B total assets against $1.50B; $1.34B total liabilities against $1.35B.
$867.8M net loans and leases against $896.9M; $1.18B total deposits against $1.23B.
$477.5M securities against $458.9M; $26.0M cash and balances due against $31.5M.
$18.1M total interest income against $19.3M; $6.9M total interest expense against $7.9M.
$11.2M net interest income against $11.4M.
$1.1M total noninterest income against -$2.1M; $8.2M total noninterest expense against $7.6M.
-$154K provision for credit losses against $1.2M.
$3.5M net income against $399K.
0.97% return on assets against 0.11%; 3.33% net interest margin against 3.33%.
13.36% CET1 capital ratio against 13.62%; 9.64% tier 1 leverage ratio against 9.68%.
Inside the full Pathfinder Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 86 of 3,640, for Texas Ratio; its furthest is 713 of 980, for uninsured deposits.
Metric pages for Pathfinder Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.90% (Q4 2025) to 1.20% (Q4 2024) and its net interest margin ran from 3.11% (Q4 2025) to 3.62% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.36% | 0.97% | 4.69% | 26.42% | 3.33% |
| Q1 2026 | 13.59% | 0.92% | 4.86% | 27.60% | 3.37% |
| Q4 2025 | 13.39% | -1.90% | 3.05% | 17.44% | 3.11% |
| Q3 2025 | 13.13% | 0.33% | 2.59% | 15.24% | 3.62% |
| Q2 2025 | 13.62% | 0.11% | 1.28% | 7.81% | 3.33% |
| Q1 2025 | 13.61% | 0.96% | 1.45% | 8.58% | 3.51% |
| Q4 2024 | 13.40% | 1.20% | 2.40% | 14.78% | 3.24% |
| Q3 2024 | 13.26% | -1.13% | 1.75% | 10.92% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 176 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Pathfinder Bank headquartered?
It is headquartered in Oswego, NY, United States.
When was Pathfinder Bank founded?
It was established in 2002, per the FDIC institution directory.
Is Pathfinder Bank FDIC-insured?
Yes. It 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.
What is Pathfinder Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 26.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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