Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
214 West First Street
Oswego, NY 13126

PathFinder Bank is headquartered in Oswego and is the 70th largest bank in the state of New York. It is also the 1,283rd largest bank in the nation. It was established in 1859 and as of March of 2014, it had grown to 113 employees at 8 locations. PathFinder Bank's savings rates are 92% higher than the national average, and it has a B+ health rating.

Related Posts

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

PathFinder Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

15977 - PathFinder Bank
57497 - Pathfinder Commercial Bank

Institution Health

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 PathFinder Bank had $7.56 million in non-current loans and owned real-estate with $52.11 million in equity and loan loss allowances on hand to cover it. This gives PathFinder Bank a Texas Ratio of 14.51% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for PathFinder Bank experienced no significant changes from 12.66% as of March 31, 2013 to 14.51% as of March 31, 2014, resulting in a negative change of 14.64%. This indicates that the balance sheet and financial strength for PathFinder Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, PathFinder Bank has increased its total deposits by $10.01 million, resulting in 2.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth PathFinder Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. PathFinder Bank has $526.17 million in assets with $52.11 million in equity, resulting in a capitalization level of 9.90%, which is above average.

Institution Statistics

FDIC Certificate #15977
Year Established1859
Primary RegulatorFDIC
Assets and Liabilities
Assets$526.17 million
Loans$343.16 million
Deposits$440.54 million
Equity Capital$47.11 million
Loan Loss Allowance$5.00 million
Unbacked Noncurrent Loans$6.86 million
Real Estate Owned$699,000
Historic Data - March 2013
Assets$505.03 million
Equity Capital$44.58 million
Loan Loss Allowance$4.69 million
Unbacked Noncurrent Loans$6.86 million
Real Estate Owned$373,000
Profit Margin - Quarterly
Net Interest Margin3.47%
Return on Assets0.43%
Return on Equity4.73%
Interest Income$4.75 million

Always verify rates and promotions with the bank or credit union. We are not PathFinder Bank, we are a rate comparison website and can not provide official rates or promotions.

PathFinder Bank Savings Account Rates

1.00%$50k-Health Savings Account
0.20%$25k-Pathfinder Business Savings
0.15%$10k-Extra Savings
0.05%$100-Statement Savings
0.05%$100-Passbook Savings
0.05%--Young Investor Club
0.05%$100-Holiday Club - Coupon
0.05%$100-Holiday Club - Passbook

PathFinder Bank Money Market Rates

0.25%$75k-Money Market Deposit Account
0.25%$75k-Executive MMDA

PathFinder Bank Checking Account Rates

0.15%$25k-Plus Checking
0.15%$25k-Money Management Checking
0.15%$10k-Business Checking
0.05%$100-Extra Checking

PathFinder Bank CD Rates

1.40%$1k-7 Year CD
1.00%$1k-5 Year CD
0.90%$1k-4 Year Step Up CD
0.70%$2,500-24 Month CD Special
0.65%$1k-3 Year Step Up CD
0.60%$2,500-11 Month CD Special
0.45%$1k-2.5 Year CD
0.40%$1k-2 Year CD
0.35%$1k-18 Month Fixed CD
0.35%$1k-18 Month Variable CD
0.35%$100k-7 Month Variable Rate CD Special
0.30%$1k-15 Month CD
0.25%$1k-1 Year CD
0.25%$1k-18 Month EZ Open CD
0.15%$1k-6 Month CD
0.10%$2,500-30 Day CD

PathFinder Bank has 16 locations. Click to view all PathFinder Bank locations.