Oswego, NY · Cert 57497 · Pathfinder Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
48
Asset Quality
5
Profitability
28
Liquidity
47
Efficiency
25
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.
Oswego, NY · Cert 57497 · Pathfinder Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Syracuse, NY · 2026 SOD (annual) · 7.3% share · #7 of 15 inst. · $1.2B of $16.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.37% | 0.94% | 0.52% | 0.46% | -0.12% | 0.91% | 0.94% | +42 bps | |
| Return on Equity | 0.94% | 3.80% | 9.77% | 5.44% | 4.75% | -1.21% | 9.27% | 9.64% | +420 bps | |
| Net Interest Margin | 2.92% | 3.00% | 3.32% | 3.21% | 3.26% | 3.27% | 3.18% | 3.09% | -12 bps | |
| Efficiency Ratio | 68.15% | 63.98% | 61.27% | 69.13% | 66.55% | 68.20% | 67.14% | 66.14% | -299 bps | |
| Non-Interest Burden | 1.85% | 1.70% | 1.97% | 2.30% | 2.20% | 2.25% | 2.08% | 1.98% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.90% | 0.82% | 2.89% | 4.08% | -0.82% | -3.58% | -4.92% | -0.72% | -480 bps | |
| Loan Growth (YoY) | 2.85% | 2.43% | 2.31% | 2.77% | -2.51% | -1.79% | -1.23% | -1.99% | -476 bps | |
| Deposit Growth (YoY) | 6.11% | 7.57% | 10.42% | 11.29% | 2.29% | -1.61% | -4.15% | -3.86% | -1,516 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.75% | 2.40% | 1.45% | 1.28% | 2.59% | 3.05% | 4.86% | 4.69% | +341 bps | |
| Net Charge-Offs / Loans | 1.28% | 1.07% | 0.15% | 0.64% | 0.54% | 0.47% | 0.13% | 0.48% | -16 bps | |
| Allowance / Loans | 1.87% | 1.88% | 1.91% | 1.75% | 2.08% | 3.26% | 3.22% | 3.01% | +126 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.8x | 1.3x | 1.4x | 0.8x | 1.1x | 0.7x | 0.6x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.13% | 9.64% | 9.80% | 9.68% | 9.72% | 9.36% | 9.79% | 9.64% | -5 bps | |
| Total Risk-Based Capital | 14.52% | 14.65% | 14.86% | 14.87% | 14.71% | 14.66% | 14.87% | 14.62% | -25 bps | |
| Equity / Assets | 9.47% | 9.57% | 9.66% | 9.53% | 9.86% | 9.76% | 9.88% | 9.54% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.52% | 75.85% | 71.72% | 74.26% | 72.92% | 75.71% | 73.91% | 75.70% | +144 bps | |
| Liquid Assets / Assets | 12.07% | 12.02% | 12.69% | 11.59% | 11.21% | 10.60% | 10.45% | 8.49% | -310 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 237% | 261% | 258% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.91% | 1.22% | 1.52% | Beats 25% | 246 / 328 | ||
| Return on Equity | 9.52% | 8.43% | 11.45% | 14.43% | Beats 31% | 225 / 328 | ||
| Net Interest Margin | 3.09% | 3.03% | 3.45% | 3.83% | Beats 28% | 236 / 328 | ||
| Efficiency Ratio | 67.43% | 51.61% | 59.56% | 67.53% | Beats 25% | 246 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.69% | 0.24% | 0.51% | 1.03% | Beats 1% | 319 / 322 | ||
| Net Charge-Offs / Loans | 0.33% | 0.01% | 0.03% | 0.10% | Beats 9% | 294 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.36% | 11.75% | 13.15% | 15.47% | Beats 54% | 150 / 328 | ||
| Total Risk-Based Capital Ratio | 14.62% | 12.63% | 14.15% | 16.46% | Beats 56% | 144 / 328 | ||
| Equity / Assets | 9.54% | 9.15% | 10.33% | 12.01% | Beats 35% | 214 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.70% | 76.63% | 87.92% | 95.36% | 24th pctl | 247 / 323 | ||
| Loans / Assets | 60.21% | 65.18% | 74.15% | 79.98% | 18th pctl | 269 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||