Pathfinder Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pathfinder Bank of Oswego, NY against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.97% | 1.29% | -0.32% | 26th worse half |
| ROAE | 10.02% | 12.61% | -2.59% | 31st worse half |
| Net Interest Margin | 3.33% | 3.71% | -0.38% | 27th worse half |
| Efficiency Ratio | 64.59% | 58.32% | +6.27% | 69th worse half |
| PPNR / Avg Assets | 1.14% | 1.75% | -0.61% | 19th worst quarter |
| Yield on Earning Assets | 5.36% | 5.54% | -0.18% | 39th |
| Cost of Funds | 2.12% | 2.01% | +0.11% | 58th worse half |
| Net Interest Spread | 2.81% | 3.09% | -0.28% | 34th worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 4.69% | 0.52% | +4.17% | 99th worst quarter |
| NPA / Total Assets | 2.83% | 0.41% | +2.42% | 97th worst quarter |
| NCO / Avg Loans | 0.83% | 0.03% | +0.80% | 95th worst quarter |
| ACL / Total Loans | 3.01% | 1.15% | +1.86% | 99th |
| ACL / NPLs (Coverage) | 64.15% | 204.05% | -139.90% | 10th worst quarter |
| Texas Ratio | 26.42% | 3.58% | +22.84% | 99th worst quarter |
| Provision / NCO | -8.26% | 173.21% | -181.47% | 8th |
| CRE / Total Capital | 171.58% | 223.76% | -52.18% | 30th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 13.36% | 13.52% | -0.16% | 47th worse half |
| Tier 1 Ratio | 13.36% | 13.55% | -0.19% | 47th worse half |
| Total Capital Ratio | 14.62% | 14.66% | -0.04% | 49th worse half |
| Leverage Ratio | 9.64% | 10.52% | -0.88% | 26th worse half |
| Equity / Assets | 9.54% | 10.38% | -0.84% | 33rd worse half |
| TCE / Tangible Assets | 8.92% | 9.80% | -0.88% | 30th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 75.70% | 88.15% | -12.45% | 23rd |
| Core Deposit Ratio | 81.89% | 88.46% | -6.57% | 26th worse half |
| Uninsured Deposit Ratio | 24.53% | 30.92% | -6.39% | 28th better half |
| Borrowings / Total Assets | 10.07% | 3.92% | +6.15% | 85th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.72% | 5.45% | -6.17% | 12th |
| Loan Growth (Y/Y) | -1.99% | 5.90% | -7.89% | 9th |
| Deposit Growth (Y/Y) | -3.86% | 5.07% | -8.93% | 6th |
See Pathfinder Bank's peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pathfinder Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Pathfinder Bank peer analysis.