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Pathfinder Bank
Oswego, NY · FDIC Certificate #57497 · Chartered 10/2
Total assets
$1.49B
Total deposits
$1.18B
Total equity
$141.73M
Net loans
$867.76M
Branches (offices)
12
Net income (YTD)
$6.74M
Rank: #745 of 4,213 U.S. banks by assets · #49 of 115 in New York. Assets changed -0.7% and deposits -3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.94% |
| Return on equity | 9.64% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 9.54% |
| Tier 1 leverage ratio | 9.64% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 4.69% |
| Net charge-offs (share of loans) | 0.48% |
| Loans to deposits | 73.4% |
| Real estate loans (share of loans) | 73.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $639.99M | 73.8% | |
| Commercial & industrial | $185.83M | 21.4% | |
| Consumer / individual | $57.29M | 6.6% | |
| Construction & development | $26.51M | 3.1% | |
| Agricultural | $193.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.37B | $1.15B | $7.15M | $121.32M |
| Jun 2023 | $1.39B | $1.11B | $5.76M | $131.23M |
| Jun 2024 | $1.44B | $1.10B | $5.19M | $143.78M |
| Jun 2025 | $1.50B | $1.23B | $3.87M | $142.60M |
| Jun 2026 | $1.49B | $1.18B | $6.74M | $141.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.18B | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.18B.
Similar-sized banks
Elkhorn Valley Bank & Trust ($1.49B) · American Heritage Bank ($1.48B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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