Bank Safety Analysis
Is Pathfinder Bank Safe? Oswego, New York
Based on its Q2 2026 call report, Pathfinder Bank meets every capital ratio test for well capitalized, its Texas ratio is 26.42%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Pathfinder Bank and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, Pathfinder Bank's CET1 ratio is 13.36%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 13.36%
- Tier 1 leverage ratio (Q2 2026): 9.64%
- Texas ratio (Q2 2026): 26.42%
- Noncurrent loans ratio (Q2 2026): 4.69%
Pathfinder Bank is an FDIC-insured commercial bank (FDIC Certificate #57497). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Pathfinder Bank is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: non-performing loan ratio. Analysis based on the Q2 2026 call report.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) fell 0.17 percentage points from Q1 2026 to Q2 2026, ending at 4.69% against 4.86%. It was the largest change among the key lines on this page. Within New York, Pathfinder Bank is 63rd of 82 on CET1 ratio, 13.36% as of Q2 2026. At 13.36%, Pathfinder Bank's CET1 ratio is close to the 13.49% median for banks in the $1B-10B asset tier (Q2 2026). From Q3 2023 to Q2 2026, Pathfinder Bank's CET1 ratio ranged between 13.13% (Q3 2025) and 14.82% (Q2 2024) and its Texas ratio ranged between 7.81% (Q2 2025) and 27.60% (Q1 2026). Between Q2 2025 and Q2 2026, Pathfinder Bank's CET1 ratio fell from 13.62% to 13.36%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.28% to 4.69%, Texas ratio rose from 7.81% to 26.42% and return on assets rose from 0.11% to 0.97%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.917 for the 1-year horizon (v20261020_012009). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 13.36% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.64% is above the 5% well-capitalized threshold.
Nonperforming loans at 4.69% are at a stress-band level above 3%.
Texas Ratio of 26.4% is well below the 100% historical failure threshold.
Efficiency ratio of 64.6% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 13.36% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 26.42% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 4.69% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | 24.53% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 75.70% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 171.58% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 3.89% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 13.36% |
| Q1 2026 | 13.59% |
| Q4 2025 | 13.39% |
| Q3 2025 | 13.13% |
| Q2 2025 | 13.62% |
| Q1 2025 | 13.61% |
| Q4 2024 | 13.40% |
| Q3 2024 | 13.26% |
| Q2 2024 | 14.82% |
| Q1 2024 | 14.39% |
| Q4 2023 | 13.80% |
| Q3 2023 | 13.51% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 26.42% |
| Q1 2026 | 27.60% |
| Q4 2025 | 17.44% |
| Q3 2025 | 15.24% |
| Q2 2025 | 7.81% |
| Q1 2025 | 8.58% |
| Q4 2024 | 14.78% |
| Q3 2024 | 10.92% |
| Q2 2024 | 15.66% |
| Q1 2024 | 12.71% |
| Q4 2023 | 11.47% |
| Q3 2023 | 11.31% |
Pathfinder Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 13.36% | 4.69% | 26.42% | 0.97% |
| Mar 31, 2026 | 13.59% | 4.86% | 27.60% | 0.92% |
| Dec 31, 2025 | 13.39% | 3.05% | 17.44% | -1.90% |
| Sep 30, 2025 | 13.13% | 2.59% | 15.24% | 0.33% |
| Jun 30, 2025 | 13.62% | 1.28% | 7.81% | 0.11% |
| Mar 31, 2025 | 13.61% | 1.45% | 8.58% | 0.96% |
| Dec 31, 2024 | 13.40% | 2.40% | 14.78% | 1.20% |
| Sep 30, 2024 | 13.26% | 1.75% | 10.92% | -1.13% |
| Jun 30, 2024 | 14.82% | 2.76% | 15.66% | 0.75% |
| Mar 31, 2024 | 14.39% | 2.20% | 12.71% | 0.70% |
| Dec 31, 2023 | 13.80% | 1.92% | 11.47% | 0.85% |
| Sep 30, 2023 | 13.51% | 1.80% | 11.31% | 0.77% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Pathfinder Bank FDIC insured?
Yes. Pathfinder Bank is an FDIC-insured commercial bank (FDIC Certificate #57497). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Pathfinder Bank well capitalized?
On its Q2 2026 call report, Pathfinder Bank's CET1 ratio is 13.36%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Pathfinder Bank's key safety ratios?
For Q2 2026, Pathfinder Bank reports CET1 13.36%, leverage 9.64%, Texas ratio 26.42%, noncurrent loans 4.69%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Pathfinder Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Pathfinder Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 57497) · FFIEC NIC profile (RSSD 729310)
Explore: Full Pathfinder Bank profile · Other banks in NY · Metric glossary · How the call report works