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Pathfinder Bank


Pathfinder Bank is an FDIC insured institution headquartered at 214 W 1st St, Oswego, NY 13126.
It was founded in 2002 and has approximately $1 billion in assets. Customers can open an account at one of its 10 branches.

Deposit Rates - April 26, 2026

SAVINGS RATES APY MIN
Savings
0.03% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.10% $100,000 Compare
Special: 10 Mo CD
0.70% $25,000 Compare
Special: 10 Mo CD
0.80% $100,000 Compare
Special: 10 Mo CD
1.00% $500,000 Compare
Special: 10 Mo CD
0.60% $1,000,000 Compare
12 Mo CD
0.15% $10,000 Compare
12 Mo CD
0.15% $100,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.30% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.35% $100,000 Compare
30 Mo CD
0.40% $10,000 Compare
30 Mo CD
0.40% $100,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.50% $100,000 Compare
48 Mo CD
0.60% $10,000 Compare
48 Mo CD
0.60% $100,000 Compare
60 Mo CD
0.65% $10,000 Compare
60 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.03% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57497
Date Established 2002
Assets $ 1,416.48 million
Loans $ 873.14 million
Deposits $ 1,192.13 million
Capital $ 138.23 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 31.17 million
Interest-bearing balances $ 19.65 million
Total securities $ 406.93 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 873.14 million
Loan loss allowance $ 29.44 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.14 million
Goodwill and other intangibles $ 10.71 million
All other assets $ 63.76 million
     Total Assets $ 1,278.26 million

LIABILITIES
Total deposits $ 1,192.13 million
      Interest-bearing deposits $ 989.78 million
      Deposits held in domestic offices $ 1,192.13 million
      % insured (estimated)" 77.66%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 78.70 million
Subordinated debt N.A.
All other liabilities $ 15.21 millionn
      Total Liabilities $ 1,278.26 million
      Shareholders’ Equity $ 138.23 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 76.95 million
Total Interest Expense $ 30.35 million
Net interest income $ 46.60 million
Provision for loan and lease losses $ 16.34 million
Total non interest income $ 0.39 million
Total non interest expense $ 32.68 million
Pre-tax Net Operating Income $ 8.91 million

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Branches

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Pathfinder Bank Locations

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