Bank routing number ยท Oswego, New York
Pathfinder Bank Routing Number (ABA): 221370894
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The Pathfinder Bank routing number is 221370894. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
Pathfinder Bank at a glance
Its CET1 capital ratio was 13.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.49B
- CET1 ratio, Q2 2026
- 13.36%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 13 FDIC institution directory, current count
- Established
- 2002
Full financial profile · Is Pathfinder Bank safe? · Branch locations
Pathfinder Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 221370894 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; Pathfinder Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 22, place this number in the Federal Reserve Bank of New York's district (District 2): prefixes 21 to 32 are the district numbers assigned to thrift institutions. Digits five through eight, 7089, identify the institution within that district. The last digit, 4, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Pathfinder Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Pathfinder Bank checks or in its online banking. Ask the bank for wire instructions (http://www.pathfinderbank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Pathfinder Bank
Pathfinder Bank is headquartered in Oswego, New York and was established in 2002. It is in the SYRACUSE, NY metro area. It reported $1.49B in total assets and $1.18B in deposits for Q2 2026, the 43rd largest of the 105 banks headquartered in New York. It reports 13 domestic offices. Its deposits have been FDIC insured since 2002. Its primary federal regulator is the FDIC. 3 other banks and credit unions headquartered in Oswego have a routing number listed here.
What the digits in 221370894 mean
The first four digits, 2213, are the Federal Reserve routing symbol. The prefix 22 places the number in the 2nd Federal Reserve District (New York), a range the ABA plan set aside for thrift institutions. That is also the district where the bank is headquartered. Digits five through eight, 7089, identify the institution within its Federal Reserve district. The last digit, 4, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 13 + 7 x 18 + 5 = 170, a multiple of 10, so 221370894 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Pathfinder Bank routing number?
The Pathfinder Bank routing number is 221370894. It is the primary ABA routing transit number registered to Pathfinder Bank, headquartered in Oswego, NY. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the Pathfinder Bank wire routing number?
This page lists the primary routing number registered to Pathfinder Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Pathfinder Bank before sending a wire.
Is ABA number 221370894 the routing number for Pathfinder Bank?
Yes. It is the primary routing number registered to Pathfinder Bank.
Which bank uses routing number 221370894?
It belongs to Pathfinder Bank, headquartered in Oswego, NY. It is the bank's primary ABA routing number (FDIC certificate 57497).
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View Pathfinder Bank's full profile →
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Regulator records: FDIC BankFind (cert 57497) · FFIEC NIC profile (RSSD 729310)