Headquartered in Oswego, New York, Pathfinder Bank is a state-chartered bank with $1.5B in total assets and $1.2B in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 2002.
Based on its Q2 2026 filing, Pathfinder Bank scores 42/100, which we describe as below average. That is higher than only 3% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 108th. Its strongest component is funding & liquidity (76/100; 73% loans-to-deposits, 25% uninsured), and its lowest is loan quality (0/100; 4.69%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 15 points (57 → 42), mostly because the loan quality component weakened by 57 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 47 |
| Q4 2024 | 45 |
| Q1 2025 | 60 |
| Q2 2025 | 57 |
| Q3 2025 | 44 |
| Q4 2025 | 35 |
| Q1 2026 | 42 |
| Q2 2026 | 42 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.30% |
| Q3 2024 | 9.13% |
| Q4 2024 | 9.64% |
| Q1 2025 | 9.80% |
| Q2 2025 | 9.68% |
| Q3 2025 | 9.72% |
| Q4 2025 | 9.36% |
| Q1 2026 | 9.79% |
| Q2 2026 | 9.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.76% |
| Q3 2024 | 1.75% |
| Q4 2024 | 2.40% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.28% |
| Q3 2025 | 2.59% |
| Q4 2025 | 3.05% |
| Q1 2026 | 4.86% |
| Q2 2026 | 4.69% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.94% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.46% |
| Q4 2025 | -0.12% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $1.5B | 9.64% | 4.69% | 0.94% | 73.4% |
| Q1 2026 | 42 | $1.4B | 9.79% | 4.86% | 0.91% | 71.5% |
| Q4 2025 | 35 | $1.4B | 9.36% | 3.05% | -0.12% | 73.2% |
| Q3 2025 | 44 | $1.5B | 9.72% | 2.59% | 0.46% | 71.4% |
| Q2 2025 | 57 | $1.5B | 9.68% | 1.28% | 0.52% | 73.0% |
| Q1 2025 | 60 | $1.5B | 9.80% | 1.45% | 0.94% | 70.4% |
| Q4 2024 | 45 | $1.5B | 9.64% | 2.40% | 0.37% | 74.4% |
| Q3 2024 | 47 | $1.5B | 9.13% | 1.75% | 0.09% | 75.1% |
| Q2 2024 | 46 | $1.4B | 10.30% | 2.76% | 0.72% | 78.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rhinebeck BankBank Rhinebeck, NY | 69 out of 100, Moderate | $1.5B | 10.9% | 0.38% | vs |
| Bank of UticaBank Utica, NY | 92 out of 100, Very strong | $1.5B | 26.5% | 0.59% | vs |
| Ulster Savings BankBank Kingston, NY | 53 out of 100, Below average | $1.4B | 9.8% | 1.54% | vs |
| Alma BankBank Astoria, NY | 57 out of 100, Moderate | $1.6B | 10.3% | 0.84% | vs |
| Ballston Spa National BankBank Ballston Spa, NY | 55 out of 100, Moderate | $1.4B | 8.7% | 0.23% | vs |
| Grasshopper Bank, N.A.Bank New York, NY | 64 out of 100, Moderate | $1.6B | 8.2% | 0.46% | vs |
Deposit insurance
Is my money safe at Pathfinder Bank?
Yes. Pathfinder Bank is an FDIC-insured institution (FDIC certificate #57497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($289.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.62% (benchmark: 10%).
13 locations
Branches
Pathfinder Bank lists 11 offices in 9 cities. Most locations:
- Oswego, NY (2)
- Syracuse, NY (2)
- Central Square, NY (1)
- Cicero, NY (1)
- East Syracuse, NY (1)
- Fulton, NY (1)
- Lacona, NY (1)
- Liverpool, NY (1)
- Mexico, NY (1)
Identity & history
Profile
- Legal name
- Pathfinder Bank
- Former names
- Pathfinder Commercial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57497
- RSSD ID
- 729310
- Primary regulator
- FDIC
- Holding company
- Pathfinder Bcorp Inc
- Established
- October 25, 2002
- Headquarters
- 214 W 1st St, Oswego, NY 13126
- Website
- www.pathfinderbank.com
- Employees
- 180
Quick answers
Pathfinder Bank: common questions
Is Pathfinder Bank FDIC insured?
Yes. Pathfinder Bank is an FDIC-insured institution (FDIC certificate #57497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pathfinder Bank's TellerScore?
42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pathfinder Bank ever failed?
There is no failure record for FDIC certificate #57497 in the FDIC failed bank list.
How many branches does Pathfinder Bank have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oswego
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Compass Federal Credit UnionCredit union Oswego, NY | 89 out of 100, Very strong | $101.5M | 15.3% | 0.46% | vs |
| Fulton Savings BankBank Fulton, NY | 88 out of 100, Very strong | $492.3M | 31.4% | 0.70% | vs |
| Oswego Teachers Employees Federal Credit UnionCredit union Oswego, NY | 73 out of 100, Strong | $59.1M | 11.7% | 0.00% | vs |
| Savannah Bank National AssociationBank Savannah, NY | 66 out of 100, Moderate | $187.2M | 8.9% | 0.23% | vs |
| NBT Bank, National AssociationBank Norwich, NY | 64 out of 100, Moderate | $16.1B | 9.5% | 0.55% | vs |
| Together Credit UnionCredit union Saint Louis, MO | 64 out of 100, Moderate | $2.7B | 9.7% | 0.54% | vs |