PathFinder Bank

Overview / Commentary
214 West First Street
Oswego, NY 13126

PathFinder Bank is headquartered in Oswego and is the 52nd largest bank in the state of New York. It is also the 785th largest bank in the nation. It was established in 2002 and as of June of 2019, it had grown to 162 employees at 11 locations. PathFinder Bank has an A health rating.

Related Posts

PathFinder Bank (NY) Adds "You Choose" CD Specials, 3.00% APY - 4/4/2019

PathFinder Bank (western NY state) has added two Choose Your Term CD Specials: 11-month (3.00% APY) and 24-month (3.00% APY). $1k minimum opening deposit.

14-Month Winter CD Special, 2.90% APY - 12/26/2018

$1,000 minimum deposit. Online application for 14 central New York counties.

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Reviews (2)

Apply On-Line

Posted by: cbr6861 | Jun 12, 2017

But only if you live in a designated market area.

Do Not Bother Unless You Are Local

Posted by: ET | Apr 16, 2019

After successfully completing an online application, PathFinder will ask you to complete a paper application with all information already been provided online. What a waste of time! Their reasoning is a requirement by their audit department.

PathFinder is better off not offering online application.


Health Grade Components

FDIC Certificate #57497
Year Established2002
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD4.01%
Annual Interest Income$19.8MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.01B$902.6MM
LoansQ2 2019vs Q2 2018$685.0MM$599.6MM
DepositsQ2 2019vs Q2 2018$831.1MM$738.5MM
Equity CapitalQ2 2019vs Q2 2018$78.8MM$72.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$7.8MM$7.6MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.5MM$5.0MM
Real Estate OwnedQ2 2019vs Q2 2018$590.00K$97.00K
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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

0.75%*$50k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% $100 - $7.5k | 0.25% $7.5k - $20k | 0.50% $20k - $35k | 0.65% $35k - $50k
0.20%*$25k*-Business Savings
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.15%*$10k*-Extra Savings
OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $10k
0.05%$100-Statement Savings
0.05%$100-Passbook Savings
0.05%$5-Young Investor Club
0.05%$2-Holiday Club

PathFinder Bank Money Market Rates

0.30%*$75k*-Money Market Account
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k
0.30%*$75k*-Executive Money Market Deposit
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k
0.30%*$250k*-Business Money Market Special
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $250k

PathFinder Bank Checking Account Rates

0.15%*$25k*-Plus Checking
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.15%*$25k*-Money Management Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.15%*$10k*-Business Checking
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $10k
0.15%*$25k*-IOLTA Checking
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.05%$100-Extra Checking

PathFinder Bank CD Rates

1.15%$1k-48 Month CD
0.65%$1k-24 Month CD
0.45%$1k-12 Month CD
0.25%$1k-6 Month CD

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

Central Square Branches
Central Square Branch3025 East AvenueCentral Square, NY 13036

Cicero Branches
Cicero Branch6194 State Route 31Cicero, NY 13039

Fulton Branches
Fulton Branch5 West 1st Street SouthFulton, NY 13069

Lacona Branches
Lacona Branch1897 Harwood DriveLacona, NY 13083

Liverpool Branches
Clay Branch3775 Route 31Liverpool, NY 13090

Mexico Branches
Mexcio Branch3361 Main StreetMexico, NY 13114

Oswego Branches
Pathfinder Commercial Bank214 West First StreetOswego, NY 13126
Oswego Plaza BranchRoute 104 EastOswego, NY 13126
Oswego Downtown Drive-Thru Branch34 East Bridge StreetOswego, NY 13126

Syracuse Branches
Pike Block Business Office Branch109 West Fayette StreetSyracuse, NY 13202

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