This institution is no longer active

Operations ceased on May 31, 2016. CRA examination history below reflects the period it was active.

PATHFINDER BANK

OSWEGO, NY · Supervised by FDIC

Est. 1859FDIC #15,977RSSD: FDIC-15977

Part ofPATHFINDER BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: September 2016

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.53%

Is this bank safe?

PATHFINDER BANK holds a Satisfactory CRA rating (2016), meets basic financial requirements (ROA +0.53%).

Institution Profile

FDIC BankFind

Address

214 West First Street, OSWEGO, NY

County

Oswego County

Established

May 28, 1859

Total Assets

$665M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2016

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2016Call Report / FDIC

Total Assets

$665M

Total Deposits

$548M

Net Loans

$428M

Net Income

$855K

ROA

0.53%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.28%

Risk-Based Capital

16.15%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.53%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.15%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate10.64%Peer avg: 6.90%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	188	74.47%	10.64%
2020	578	83.74%	7.44%
2019	358	76.82%	15.08%
2018	374	86.63%	6.15%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2016	Satisfactory	Large Bank
May 2013	Satisfactory	Large Bank
Mar 2010	Satisfactory	Large Bank

5 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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