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 Pathfinder Bank
Pathfinder Bank
| RSSD ID 729310 | CERTIFICATE 57497 | ABA NUMBER 221370894 |
| 214 W 1st St |
Quarter Ended : |
2025-12-31 |
| Oswego, New York, 13126 |
Updated : |
2026-01-30 |
| www.PATHFINDERBANK.com |
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| Institution Profile |
| Year Opened : |
2002 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
13 |
Number of Employees : |
175 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,416,480 |
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Total Interest Income | 76,947 |
| Total Liabilities | 1,278,255 |
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Total NonInterest Income | 393 |
| Total Bank Equity Capital | 138,225 |
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Total Interest Expense | 30,346 |
| Total Deposits | 1,192,127 |
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Total NonInterest Expense | 32,676 |
| Net Loans & Leases | 867,244 |
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Net Income | (1,720) |
| Loan Loss Allowance | 29,436 |
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Net Charge Offs | 4,211 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 145,828 |
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Total loans | 904,977 |
| Total assets for the leverage ratio | 1,423,171 |
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Loans secured by real estate: | 669,942 |
| Tier 1 Leverage Ratio | 9.36 |
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Commercial and industrial loans | 154,414 |
| Tier 1 Capital Ratio | 13.39 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.66 |
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Loans to individuals - Other | 64,512 |
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:· Pathfinder Bank
