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 | |