# PATHFINDER BANK
OSWEGO, NY · FDIC certificate 15977 · asset band $300M-1B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $664.6M | |
| Deposits | $548.3M | |
| Loans and leases | $434.2M | |
| Total equity | $65.8M | |
| Loans / deposits | 78.12% (p41 of band) | 82.54% |
| Liquid assets / assets | 29.28% (p61 of band) | |
| Uninsured deposits / deposits | 19.40% (p47 of band) | 20.09% |
| Brokered deposits | 10.40% | |
| Wholesale funding | 17.32% (p88 of band) | |
| FHLB advances / assets | 6.92% | |
| Tier 1 leverage | 9.76% (p41 of band) | 10.14% |
| Unrealized securities loss / equity | 2.95% (p68 of band) | 1.64% |
| AOCI / equity | 0.65% (p52 of band) | |
| ROA (annualized) | 0.53% (p19 of band) | 0.90% |
| Net interest margin | 3.43% (p38 of band) | 3.59% |
| Efficiency ratio | 77.51% (p75 of band) | |
| Noncurrent loans | 1.15% (p70 of band) | 0.70% |
| Net charge-offs (annualized) | 0.04% (p70 of band) | |
| Reserve coverage of noncurrent | 117.02% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 41.53% (p56 of band) | |
| Auto loans | $1.4M (0.33% of loans; DQ 0.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.5% | |
| Employees | 127 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 2 | wholesale funding >15% |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | capital falling | wholesale funding >15% |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | wholesale funding >15% |  |
| 2014-03 | 1 |  | wholesale funding >15% |
| 2014-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 4 | uninsured deposits leaving |  |
| 2015-06 | 4 | capital falling | uninsured deposits leaving |
| 2015-09 | 3 | uninsured deposits leaving | reserve under noncurrent, capital falling |
| 2015-12 | 2 |  | uninsured deposits leaving |
| 2016-03 | 3 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-19 [Company news: Martin Custer hired by Pathfinder Bank - Syracuse.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOeEhDYkphbndJQmpUZWhuWktZTUNNa1hvMnJ6QnI1SHZnczJzV1dwWHR5ZjlpQ1hrY05zdllGdmpuRDB4d1p6bzQ2VHJkWnJBZnRLM1A1bU00RGdVWmk1SGFLaUtvSElWbHd5aDQyMlhKZWF0bEl4ZS11dWFCYllQUkppWUJEVHQxcjdZNU9aSUJHTWtpcUJGenh3cGJqdUnSAbMBQVVfeXFMT0ZWcW1uM2dGR053Q1VYRzY3MFY2MjRhYTktSkZ3eXJWYjc2bUdaUS1mbWk3akhyekJDNjlmZE95NmlPUFQ2REFrZkswYXNzaGlTald5T0hCTEZJS0xLVkZ0MVhmMXU2MDgySGZRZzlFSU9YaXRFQ2FnZTFpWEdGV25OWGo3RHVwN3oxck9BRVl6WlBqN0FjUDJCLVljMjkzaUhwcXBKaDR4dFVGQzZPZnc5RjQ?oc=5) · Syracuse.com
- 2026-04-27 [Company news: Pathfinder Bank names Erica Muscatello marketing VP - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2024-07-22 [Pathfinder Bank Acquisition of Berkshire Bank Branch Complete - citybiz](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRGR0ZzlMd3RuWWxRbVJfSjZ1WXN5bk5uR3hvVDlWUVJZQlRtMGZQUklDWUdMaU9aenhZbHZOWGVnUXpEN0l0eDVOQnhtbEZKZWJtbnBpN2FvOWtCM1N0OHkzZmMzdHdpUWJHNGFSNnBlcEJGNF8xM1dPS00zSmwwOFZZYkxNOERmb1lLclRRRmU4TFdKOGZaZk42bjZaSHd4YUE?oc=5) · citybiz
- 2014-03-31 [Adam C. Gagas Elected to Pathfinder Bank Board of Directors - Oswego County Today](https://news.google.com/rss/articles/CBMioAFBVV95cUxQVEVwX1U2N2xBcTdndndCYkV6U0ctN0VBUC1TSVhuRURfYzdsRGs0Q05Sbl9oR3JwMmRMYjZVLWNLNDhjQWhOUV9DbERDcUN1VHd0ZVUxdVk3WDFuakxfTlNpTVhvc09BRWNhbkpZQkc2OXM4a3MwLThUUERiNFk2OGRsV05JSjh1SmhoM3hGLThJS0wwM1ZRZDM1d01ha0cw?oc=5) · Oswego County Today
- 2025-04-17 [Pathfinder Bank Continues To Support Fulton Block Builders. - Oswego County Today](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTlVDczhHRUdzMnF3M3BwUHk5SGY2VnhXb1Q5bmxNNmZEd0RLR20xdXRYSVYwaEFMZkMzTWI1Z0dHdWxQSVpkeGk4S2w1RlRjTk92ZWRLVEZkS0RpQUJYY3hsVHJ0VTNiLW8zck8yTWZFWlEyaGlVV0NzcWh3eG1ZVF81cEJwb0Y4dDRyZ2Z0UWJPMHY5VlFqSjM5NjVEVEdhVWhQOGZR?oc=5) · Oswego County Today
- 2024-12-04 [Company news: Dan Phillips retires, Joe McManus promoted by Pathfinder Bank - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2016-06-10 [Tascarella Named Vice President, Team Leader of Commercial Lending for Pathfinder Bank - Oswego County Today](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOVkt0WUF4cF9sczNDams1SURkUXF0bldGNEVwRTVTVml3RHN6Vi03WUF1Qk05bnJtbFNjeWZ3emRXSi1jSk1mSWlFcHZFbHRRUXlPWTdBMjZ5UGFlTFVXeWFBR3pmODNxdFJzd1NSalJsZ1hnOXRGbjFBUEFtMzA4SjhYcnFyUDNzUG4yUjhxTXJYVENSRFVVTlNub2dRUkhkUWs1bDVKd24xbFJQandZS0dVMHctdkVUSDVUYmVnbHhxN3BsM2ZrNkRpUjIwbEtBaFhockt1SXQ4ZHlE?oc=5) · Oswego County Today
- 2022-04-01 [Mentoring Monday Q&A with Shynique Gainey of Pathfinder Bank - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15977 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "15977", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide