PathFinder Bank

PathFinder Bank is headquartered in Oswego and is the 85^th largest bank in the state of New York. It is also the 1,433^rd largest bank in the nation. It was established in 1859 and as of March of 2012, it had grown to 112 employees at 8 locations. PathFinder Bank has a 4-star health rating.

PathFinder Bank Routing Number: 221370894

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Data for Q1 2012

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 Statistics PathFinder Bank FDIC Certificate # 15977 BankRate Report View Year Established 1859 Employees 112 Primary Regulator FDIC Assets and Liabilities Assets $467.84 million Loans $299.90 million Deposits $396.64 million Equity Capital $41.91 million Loan Loss Allowance $4.11 million Unbacked Noncurrent Loans $4.56 million Real Estate Owned $556,000 Historic Data - March 2011 Assets $411.99 million Equity Capital $35.20 million Loan Loss Allowance $3.77 million Unbacked Noncurrent Loans $5.56 million Real Estate Owned $617,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.51% Return on Equity 5.61% Interest Income $4.70 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 PathFinder Bank had $5.11 million in non-current loans and owned real-estate with $46.02 million in equity and loan loss allowances on hand to cover it. This gives PathFinder Bank a Texas Ratio of 11.11% 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 decreased slightly from 16.25% as of March 31, 2011 to 11.11% as of March 31, 2012, resulting in a positive change of 31.63%.This indicates that the balance sheet and financial strength for PathFinder Bank has improved slightly in recent periods. Deposit Growth In the past year, PathFinder Bank has increased its total deposits by $54.46 million, resulting in 15.92% 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 excellent. Capitalization 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 $467.84 million in assets with $46.02 million in equity, resulting in a capitalization level of 9.84%, which is average.

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