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
Unfavorable gap of $28.8M · efficiency ratio beats 25% of banks $1B-$10B in assets | 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 |