PathFinder Bank

Overview / Commentary

www.pathfinderbank.com

315-343-0057

214 West First Street
Oswego, NY 13126

PathFinder Bank is headquartered in OSWEGO and is the 45^th largest bank in the state of New York. It is also the 758^th largest bank in the nation. It was established in 2002 and as of June of 2024, it had grown to 170 employees at 12 locations. PathFinder Bank's money market rates are 11X the national average, and it has a B health rating.

View all posts from:

2019
2018
2017
Earlier

4/4 - PathFinder Bank (NY) Adds "You Choose" CD Specials, 3.00% APY

12/26 - 14-Month Winter CD Special, 2.90% APY
2/17 - PathFinder Bank (NY) Ups High Yield MMA, 1 Year Guarantee

10/6 - PathFinder Bank (NY) Guarantees Money Market Rate For A Year
8/31 - PathFinder Bank (NY) Adds 17-Month Fall CD Special
4/27 - PathFinder Bank (NY) Promotes 18-Month CD Special

12/6/08 - 4.40% 13-Month / 4.15% 5-Month CD at Pathfinder Bank in New York

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	57497
Year Established	2002
Employees	170
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	7.38%
Annual Interest Income	$37.8MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$1.44B$1.39B
Loans	Q2 2024vs Q2 2023	$871.4MM$872.3MM
Deposits	Q2 2024vs Q2 2023	$1.1B$1.11B
Equity Capital	Q2 2024vs Q2 2023	$143MM$130.6MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$16.9MM$18.8MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$24.2MM$20.1MM
Real Estate Owned	Q2 2024vs Q2 2023	$60K$277K

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

PathFinder Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$0	$30k	Kasasa Saver
OTHER TIERS: 0.25% → $30k+
0.60%^*	$50k^*	-	Health Savings Account (HSA)
OTHER TIERS: 0.20% → $100 - $7.5k \| 0.30% → $7.5k - $20k \| 0.40% → $20k - $35k \| 0.50% → $35k - $50k
0.50%	$100	-	Municipal Savings
0.30%^*	$25k^*	-	Business Savings
OTHER TIERS: 0.20% → $300 - $10k \| 0.25% → $10k - $25k
0.20%	$300	-	Statement Savings
0.20%	$5	-	Young Investor Club
0.20%	$2	-	Holiday Club

PathFinder Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.75%^*	$500k^*	-	High Yield Business Bonus Money Market Promo
OTHER TIERS: 3.00% → $2.5k - $100k \| 3.75% → $100k - $250k \| 4.25% → $250k - $500k
4.75%^*	$250k^*	-	Premier Money Markey Deposit Account - New Money
OTHER TIERS: 3.00% → $2.5k - $50k \| 3.75% → $50k - $100k \| 4.25% → $100k - $250k
3.75%^*	$500k^*	-	High Yield Business Money Market Promo
OTHER TIERS: 2.00% → $2.5k - $100k \| 2.75% → $100k - $250k \| 3.25% → $250k - $500k
2.90%^*	$1m^*	-	Municipal Money Market Deposit Account
OTHER TIERS: 0.75% → $2.5k - $25k \| 1.00% → $25k - $100k \| 1.50% → $100k - $500k \| 1.75% → $500k - $1m
1.70%^*	$250k^*	-	Executive Business Money Market Deposit
OTHER TIERS: 0.35% → $2.5k - $10k \| 0.45% → $10k - $25k \| 0.65% → $25k - $50k \| 1.20% → $50k - $75k \| 1.55% → $75k - $250k
0.25%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $75k

PathFinder Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	$0	$30k	Kasasa Cash Checking
OTHER TIERS: 0.50% → $30k+
3.35%	$100	-	IOLA Checking
1.00%^*	$25k^*	-	Premier Checking
OTHER TIERS: 0.25% → $0 - $10k \| 0.50% → $10k - $25k
0.65%	$1k	-	Business Checking
0.50%	$100	-	Municipal Now Checking
0.20%	$300	-	Landlord Tenant Savings
0.15%	$100	-	Estate Checking

PathFinder Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	$250k^*	-	8 Month CD Special
OTHER TIERS: 4.65% → $1k - $50k \| 4.75% → $50k - $100k \| 4.90% → $100k - $250k
3.00%	$1k	-	2 Year CD
2.50%	$1k	-	3 Year CD
1.10%	$1k	-	4 Year CD
0.80%	$1k	-	1 Year CD

Locations

Cities: Central Square, Cicero, Fulton, Lacona, Liverpool, Mexico, Oswego, Syracuse

Central Square Branches
Central Square Branch	3025 East Avenue	Central Square, NY 13036

Cicero Branches
Cicero Branch	6194 State Route 31	Cicero, NY 13039

Fulton Branches
Fulton Branch	5 West 1st Street South	Fulton, NY 13069

Lacona Branches
Lacona Branch	1897 Harwood Drive	Lacona, NY 13083

Liverpool Branches
Clay Branch	3775 Route 31	Liverpool, NY 13090

Mexico Branches
Mexcio Branch	3361 Main Street	Mexico, NY 13114

Oswego Branches
Pathfinder Commercial Bank	214 W 1st St	Oswego, NY 13126
Oswego Plaza Branch	Route 104 East	Oswego, NY 13126
Oswego Downtown Drive-Thru Branch	34 East Bridge Street	Oswego, NY 13126

Syracuse Branches
Pike Block Business Office Branch	109 West Fayette Street	Syracuse, NY 13202

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