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Pathfinder Bank

Oswego, NY · Cert 57497 · Pathfinder Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

25

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pathfinder Bank

Oswego, NY · Cert 57497 · Pathfinder Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.5BAssets
$894.7MLoans
$1.2BDeposits
$141.7MEquity
Loan mix
72%RE $635.8M22%C&I $191.8M7%Consumer $60.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $960.7M19%Noninterest $221.1MQ2 2025Q2 2026

NIM

5.27%Q2 ’245.30%Q2 ’254.92%Q2 ’26+15%-4%

Non-interest income vs. expense

2.12%Q2 ’242.13%Q2 ’252.26%Q2 ’26+34%-14%

Market Position · Syracuse, NY · 2026 SOD (annual) · 7.3% share · #7 of 15 inst. · $1.2B of $16.2B

42.6% Oswego
3.5% Onondaga

Executive Summary

  • Earnings: ROA of 0.94%, up 42 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 4.69% of loans (+341 bps YoY), with net charge-offs at 0.48%.
  • Capital: tier 1 leverage ratio of 9.64%, down 5 bps from a year ago.
  • Funding: loans stand at 75.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-12 bps YoY

Efficiency Ratio (YTD, annualized)

66.14%-299 bps YoY

Tier 1 Leverage Ratio

9.64%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.46%-0.12%0.91%0.94%+42 bps
Return on Equity5.44%4.75%-1.21%9.27%9.64%+420 bps
Net Interest Margin3.21%3.26%3.27%3.18%3.09%-12 bps
Efficiency Ratio69.13%66.55%68.20%67.14%66.14%-299 bps
Non-Interest Burden2.30%2.20%2.25%2.08%1.98%-32 bps
Growth
Asset Growth (YoY)4.08%-0.82%-3.58%-4.92%-0.72%-480 bps
Loan Growth (YoY)2.77%-2.51%-1.79%-1.23%-1.99%-476 bps
Deposit Growth (YoY)11.29%2.29%-1.61%-4.15%-3.86%-1,516 bps
Asset Quality
Nonperforming Loans / Loans1.28%2.59%3.05%4.86%4.69%+341 bps
Net Charge-Offs / Loans0.64%0.54%0.47%0.13%0.48%-16 bps
Allowance / Loans1.75%2.08%3.26%3.22%3.01%+126 bps
Allowance Coverage of NPLs1.4x0.8x1.1x0.7x0.6x-0.7x
Capital
Tier 1 Leverage Ratio9.68%9.72%9.36%9.79%9.64%-5 bps
Total Risk-Based Capital14.87%14.71%14.66%14.87%14.62%-25 bps
Equity / Assets9.53%9.86%9.76%9.88%9.54%+1 bps
Liquidity & Funding
Loans / Deposits74.26%72.92%75.71%73.91%75.70%+144 bps
Liquid Assets / Assets11.59%11.21%10.60%10.45%8.49%-310 bps
CRE / Total Capitaln/a237%261%258%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pathfinder Bank

Oswego, NY · Cert 57497 · Peer group: banks $1B-$10B in assets (n=322-328) · Pathfinder Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.5BAssets
$894.7MLoans
$1.2BDeposits
$141.7MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 56% of banks $1B-$10B in assets (rank 144 of 328).
  • Widest gap: nonperforming loans / loans trails 99% of banks $1B-$10B in assets (rank 319 of 322).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.91%

Rank 246 of 328

Net Interest Margin

3.09%

Rank 236 of 328

Efficiency Ratio

67.43%

Rank 246 of 328

Equity / Assets

9.54%

Rank 214 of 328

Non-interest income vs. expense

$4.0M$32.7MINCOMEEXPENSE
Unfavorable gap of $28.8M · efficiency ratio beats 25% of banks $1B-$10B in assets
Bank 67.43%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.91%1.22%1.52%Beats 25%246 / 328
Return on Equity9.52%8.43%11.45%14.43%Beats 31%225 / 328
Net Interest Margin3.09%3.03%3.45%3.83%Beats 28%236 / 328
Efficiency Ratio67.43%51.61%59.56%67.53%Beats 25%246 / 328
Asset Quality
Nonperforming Loans / Loans4.69%0.24%0.51%1.03%Beats 1%319 / 322
Net Charge-Offs / Loans0.33%0.01%0.03%0.10%Beats 9%294 / 322
Capital
Tier 1 Capital Ratio13.36%11.75%13.15%15.47%Beats 54%150 / 328
Total Risk-Based Capital Ratio14.62%12.63%14.15%16.46%Beats 56%144 / 328
Equity / Assets9.54%9.15%10.33%12.01%Beats 35%214 / 328
Liquidity & Funding
Loans / Deposits75.70%76.63%87.92%95.36%24th pctl247 / 323
Loans / Assets60.21%65.18%74.15%79.98%18th pctl269 / 328
Brokered Deposits / Depositsn/aNot reported for this institution