Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #57497 · Oswego, New York · Est. 2002
Pathfinder Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $1.4B
- Total assets
- C
- Health grade · Fair
- -0.12%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
Pathfinder Bank earns a PlainBankData health grade of C (53/100), with well-capitalized at 13.39% Tier 1, -0.12% ROA, 68% efficiency ratio.
- #785
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 13.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Pathfinder Bank's 53/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pathfinder Bank's composite health score
Tier 1 Capital Ratio (13.39%) 35/40
Return on Assets (ROA) (-0.12%) 0/25
Texas Ratio (16.44%) 10/20
Efficiency Ratio (68.20%) 8/15
53 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$873M
Outstanding loan book
Net Income
$-1,720K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pathfinder Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pathfinder Bank's score of 53/100 falls in the highlighted band.
Pathfinder Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pathfinder Bank's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.39%
Texas Ratio
16.44%
Equity Capital
$138M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.12%
Return on Equity (ROE)
-1.21%
Efficiency Ratio
68.20%
What the numbers say about Pathfinder Bank
Pathfinder Bank is an FDIC-insured institution (Certificate #57497) headquartered in Oswego, New York, established in 2002. It holds $1.4B in total assets - 785th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $873M in net loans. Its capital position: a Tier 1 ratio of 13.39%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 16.44% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (53 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Pathfinder Bank sits 50th of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$77M
Interest Income
$393K
Non-Interest Income
$33M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pathfinder Bank reports a Texas Ratio of 16.44% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Pathfinder Bank
Pathfinder Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,720K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Pathfinder Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pathfinder Bank (FDIC Cert #57497) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Pathfinder Bank's health grade?▼
Pathfinder Bank receives a health grade of C (53/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Pathfinder Bank?▼
Pathfinder Bank holds $1.4B in total assets and $1.2B in deposits, ranking 785th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oswego, New York.
Is my money safe at Pathfinder Bank?▼
Yes, deposits at Pathfinder Bank (Certificate #57497) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pathfinder Bank's Tier 1 Capital Ratio?▼
Pathfinder Bank has a Tier 1 Capital Ratio of 13.39%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Pathfinder Bank?▼
Pathfinder Bank has a Texas Ratio of 16.44%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pathfinder Bank?▼
Pathfinder Bank has an Efficiency Ratio of 68.20%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pathfinder Bank's profile as a depositor or analyst.
- Pathfinder Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pathfinder Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.