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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 57497 · NY C · 53/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (53/100)
  • BOTTOM-DECILE #4068/4307
  • PHOTO-FINISH EagleBank · MD
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-HEALTHY 16.4% Texas
  • ROA-LOSS -0.12% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: EagleBank, MD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Pathfinder Bank

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100EagleBank · MD · near53/100First Guaranty Bank · LA · n…53/100Grand Rapids State B… · MN ·…53/100Pathfinder Bank · NY · this …53/100Simmesport State Bank · LA ·…53/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Pathfinder Bank · July 2026

What Pathfinder Bank's Call Report plate shows

Pathfinder Bank (FDIC Cert #57497) carries a PlainBankData health grade of C at 53/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,068 of 4,307. Tier 1 capital prints at 13.39%, clearing the 10% well-capitalized line. The Texas Ratio is 16.44%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.12%. Balance-sheet scale is $1.4B, 785th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is EagleBank (MD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Pathfinder Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Pathfinder Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Pathfinder Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

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.

0/100100/100National avg77/10053/100
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 Assets

$1.4B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.99% 13.39% 14.79%
Basel III capital ratios - Pathfinder Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

53 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Pathfinder Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Pathfinder Bank

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

What these ratios mean →

Profitability metrics: Pathfinder Bank

Return on Assets (ROA)
4th percentile nationally
-0.12%
Return on Equity (ROE)
-1.21%
Efficiency Ratio
68.20%

What these mean →

Income & expense: loss period at Pathfinder Bank

$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.

FDIC Failed Bank List → View Pathfinder Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.4B here), outside New York so the neighborhood is not state containment.

Elkhorn Valley Bank & Trust $1.4B · NE Truxton Trust Company $1.4B · TN Meadows Bank $1.4B · NV Bankers' Bank $1.4B · WI

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.

Pathfinder Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
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%