Bank · FDIC insured
Pathfinder Bank
A $1.5B bank headquartered in Oswego, NY, with 12 branches in New York. Best rates: savings 0.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.05%Needs another account or monthly activityCD rates →
- Savings773.50%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Pathfinder Bank
Incorporated in 1859 as Oswego City Savings Bank, Pathfinder Bank officially changed its name in 2000.
The bank converted to a stock-held institution under Pathfinder Bancorp in 1995 and reorganized into a stock holding company structure in 2014.
Pathfinder Bank serves Central New York through 10 branch offices across Onondaga and Oswego Counties.
- Headquarters
- 214 W 1st St, Oswego, NY 13126
- FDIC certificate
- 57497 ↗
Branches
12 branches in New York
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New York
12 branches
- Pathfinder BankMain office214 W 1st St, Oswego, NY 13126Directions
- Central Square Branch3025 East Ave, Central Square, NY 13036Directions
- Cicero Branch6194 State Route 31, Cicero, NY 13039Directions
- East Syracuse Manlius Branch6611 Manlius Center Rd, East Syracuse, NY 13057Directions
- Fulton Branch5 W 1st St S, Fulton, NY 13069Directions
- Lacona Branch1897 Harwood Dr, Lacona, NY 13083Directions
- Clay Branch3775 Route 31, Liverpool, NY 13090Directions
- Mexcio Branch3361 Main St, Mexico, NY 13114Directions
- Oswego Downtown Drive-Thru Branch34 E Bridge St, Oswego, NY 13126Directions
- Oswego Plaza Branch291 State Route 104, Oswego, NY 13126Directions
- Pike Block Business Office Branch109 W Fayette St, Syracuse, NY 13202Directions
- Southwest Corridor - Syracuse Branch506 W Onondaga St, Syracuse, NY 13204Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.64% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 4.69% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.94% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $76 | $88 | — |
- CapitalLeverage ratio9.64%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent4.69%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.94%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$76Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Pathfinder Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.