# PATHFINDER BANK
OSWEGO, NY · FDIC certificate 57497 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.49B | |
| Deposits | $1.18B | |
| Loans and leases | $894.7M | |
| Total equity | $141.7M | |
| Loans / deposits | 73.42% (p22 of band) | 87.10% |
| Liquid assets / assets | 33.88% (p82 of band) | |
| Uninsured deposits / deposits | 24.53% (p29 of band) | 30.76% |
| Brokered deposits | 5.54% | |
| Wholesale funding | 15.61% (p81 of band) | |
| FHLB advances / assets | 8.98% | |
| Tier 1 leverage | 9.64% (p27 of band) | 10.50% |
| Unrealized securities loss / equity | -9.48% (p42 of band) | -7.75% |
| AOCI / equity | -1.24% (p13 of band) | |
| ROA (annualized) | 0.94% (p26 of band) | 1.26% |
| Net interest margin | 3.38% (p30 of band) | 3.70% |
| Efficiency ratio | 66.14% (p71 of band) | |
| Noncurrent loans | 4.69% (p99 of band) | 0.51% |
| Net charge-offs (annualized) | 0.30% (p90 of band) | |
| Reserve coverage of noncurrent | 64.15% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 18.70% (p16 of band) | |
| Auto loans | $3.3M (0.37% of loans; DQ 2.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -3.9% | |
| Employees | 180 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 3 | deposits shrinking |  |
| 2012-12 | 2 |  | deposits shrinking |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 | leverage <7% | uninsured deposits >50% |
| 2016-03 | 4 | uninsured deposits >50%, capital falling |  |
| 2016-06 | 1 | wholesale funding >15% | NIM <2.5%, leverage <7%, uninsured deposits >50%, capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | brokered >10% |  |
| 2017-03 | 4 | capital falling, charge-offs p90 |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | capital falling, charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | capital falling, expense ratio p90 |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | capital falling, expense ratio p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | reserve under noncurrent |  |
| 2020-12 | 4 | noncurrent p90 |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | noncurrent p90 |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | noncurrent p90 |
| 2023-03 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | charge-offs p90 |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | charge-offs p90 |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 | charge-offs p90 | brokered >10%, reserve under noncurrent |
| 2024-12 | 4 | reserve under noncurrent |  |
| 2025-03 | 0 |  | wholesale funding >15%, noncurrent p90, charge-offs p90, reserve under noncurrent |
| 2025-06 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2025-09 | 3 | noncurrent p90, reserve under noncurrent | wholesale funding >15% |
| 2025-12 | 2 | losing money | charge-offs p90, reserve under noncurrent |
| 2026-03 | 2 | reserve under noncurrent | losing money |
| 2026-06 | 4 | wholesale funding >15%, charge-offs p90 |  |

## 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.com/rss/articles/CBMiqgFBVV95cUxNTzV1Qlptc2I2S1NMbm1MbmtLVjNMbFdibGhJREkwZGlfZTU0Vndiem9sVG03eWQ0WWh2MnRUVkNrUG1FZU1OOUh4VjJrUVVSYkJQNXQ3Y1NJOVRGTE1tR0Y2ZlQ1Y2JIM3JoUDlFZmQ3bi1RMEhPd2g0YUxqbnFDS2QwMk42R1ZHX3N5Q09naGhlTUY4QnpWUG9Pbno0MkR5azdNc1VKVWs4d9IBvgFBVV95cUxNS085bG1KVGlwb2JEZzhodEJpZEZ5MVBUZUNydDI1cldodkJyeUlDLXl4QjZZYTNJZ3hTcGdaTTZZTXhkTHdmQk1fd1ZCaW5TZDRncHp6dC1VdC1rbWxkeWJJNW12WFRqRkdxdm1fX3l5Zk8tTUtPal9zWlN0emN0UUd2VXFFM2lhUkVLODh2eVhhTmZNYWhUQW4yeHhOMHhZWGFPaTdWell0bTdkWFkyYWNrNVVkWjVYR28xcG5n?oc=5) · Syracuse.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57497 (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/25.json (key "57497", 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