PATHFINDER BANK

OSWEGO, NY · Supervised by FDIC

Est. 2002FDIC #57,497RSSD: FDIC-57497

Satisfactory

Current rating · Exam: July 2025

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Institution Profile

FDIC BankFind

Website

www.PATHFINDERBANK.com

Address

214 W 1st St, OSWEGO, NY

County

Oswego County

Established

October 25, 2002

Total Assets

$1.4B(latest call report)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$872M

Net Income

$3M

ROA

0.91%

ROE

9.27%

Risk-Based Capital

14.87%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

July 1, 2025

Exam Type

Large Bank

Regulator

FDIC

Rating History

CRA / FFIEC

2 previous ratings locked — dating back to 2019

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

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