Total Assets
$1.5B
Total Deposits
$1.2B
Branches
13
Established
2002
Pathfinder Bank is a bank headquartered in Oswego, New York, established in 2002. It holds $1.5B in total assets across 13 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Pathfinder Bank earns a TFS Financial Health Grade of C- (61.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
61.8 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Pathfinder Bank?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Pathfinder BankHQ | 214 W 1st St | Oswego | NY | 11 |
| Pathfinder Bank | 3025 East Ave | Central Square | NY | 11 |
| Pathfinder Bank | 6194 State Route 31 | Cicero | NY | 11 |
| Pathfinder Bank | 6611 Manlius Center Rd | East Syracuse | NY | 11 |
| Pathfinder Bank | 5 W 1st St S | Fulton | NY | 11 |
| Pathfinder Bank | 1897 Harwood Dr | Lacona | NY | 11 |
| Pathfinder Bank | 3775 Route 31 | Liverpool | NY | 11 |
| Pathfinder Bank | 3361 Main St | Mexico | NY | 11 |
| Pathfinder Bank | 291 State Route 104 | Oswego | NY | 11 |
| Pathfinder Bank | 34 E Bridge St | Oswego | NY | 23 |
| Pathfinder Bank | 109 W Fayette St | Syracuse | NY | 11 |
| Pathfinder Bank | 506 W Onondaga St | Syracuse | NY | 11 |
| Pathfinder Bank | 258 Genesee St | Utica | NY | 24 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
61.8
Tier 1 capital ratio
9.64%
Return on assets
0.94%
Non-performing loans
4.69%
Efficiency ratio
66.14%
Asset growth (YoY)
-0.72%
Suggested direct comparisons
Purchase, NY
$250.4B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.