Pathfinder Bank
Oswego, New York · FDIC Cert #57497
Pathfinder Bank is an FDIC-insured bank (Certificate #57497) with $1.4B in total assets and $1.1B in total deposits as of the Q2 2024 Call Report. Headquartered in Oswego, New York, the bank maintains a Tier 1 capital ratio of 14.82% (Well-Capitalized) and a nonperforming loan ratio of 2.76%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Pathfinder Bank (FDIC cert 57497) is a mid-sized bank with $1.4B in total assets and $1.1B in deposits, based in Oswego, New York. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.82% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.76% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 32.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.90% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Pathfinder Bank carries a composite BankHealth grade of B (79/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Pathfinder Bank
- Total Assets
- $1.4B
- Total Deposits
- $1.1B
- Tier 1 Capital Ratio
- 14.82%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.76%
- Liquidity Ratio
- 32.88%
- Return on Assets
- 0.90%
- Headquarters
- Oswego, New York
- FDIC Certificate
- #57497
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Pathfinder Bank holds a Tier 1 capital ratio of 14.82%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Pathfinder Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Pathfinder Bank shows strong financial health indicators. With $1.4B in assets and a Health Score of 79/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Pathfinder Bank Compares
Pathfinder Bank’s Health Score of 79 is 8 points above the New York state average of 71 across 130 FDIC-insured banks. Its 14.82% Tier 1 capital ratio is 0.8 points above the US banking industry average near 14%. The 2.76% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.90% is below the national ROA benchmark of ~1.1%. Among 800 similarly-sized banks, the average Health Score is 72, meaning this bank ranks above its size cohort. Site-wide, Pathfinder Bank is 9 points above the portfolio average of 70.
Frequently Asked Questions
Pathfinder Bank has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.82%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Pathfinder Bank's Tier 1 capital ratio of 14.82% and nonperforming loan ratio of 2.76% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Pathfinder Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57497). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Pathfinder Bank holds $1.4B in total assets and $1.1B in total deposits. It is headquartered in Oswego, New York (FDIC Certificate #57497).
Pathfinder Bank has a Tier 1 capital ratio of 14.82%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.76%, and the return on assets is 0.90%.
Yes. Pathfinder Bank is FDIC-insured (Certificate #57497). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Pathfinder Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.