Pathfinder Bank is a bank based in Oswego, New York, established in 2002, with $1.4 billion in total assets across 13 branches. By Trust Grade it ranks 88th of 118 banks we track in New York. Its capital ratio of 9.9% trails most similarly sized banks (42th percentile), versus a New York median of 10.4%. It was profitable over the most recent period, with a 0.91% return on assets. Consumers filed 18 complaints about Pathfinder Credit Services with the CFPB — 12.7 per $1B in assets, a higher rate than 70% of peers.
How Pathfinder Bank compares to New York peers
How we graded Pathfinder Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.9% capital ratio)
- Profitable (ROA 0.91%)
- 12.7 complaints per $1B in assets
Consumer complaints (CFPB)
18 complaints filed with the CFPB against Pathfinder Credit Services — 12.7 per $1B in assets.
Branch locations (13)
- 214 W 1st St, Oswego, NY 13126
- 291 State Route 104, Oswego, NY 13126
- 3361 Main St, Mexico, NY 13114
- 34 E Bridge St, Oswego, NY 13126
- 5 W 1st St S, Fulton, NY 13069
- 1897 Harwood Dr, Lacona, NY 13083
- 3025 East Ave, Central Square, NY 13036
- 6194 State Route 31, Cicero, NY 13039
- 109 W Fayette St, Syracuse, NY 13202
- 3775 Route 31, Liverpool, NY 13090
- 258 Genesee St, Utica, NY 13502
- 506 W Onondaga St, Syracuse, NY 13204
- 6611 Manlius Center Rd, East Syracuse, NY 13057
Are deposits at Pathfinder Bank insured?
Yes. Pathfinder Bank is an FDIC-insured bank (FDIC certificate #57497). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Pathfinder Bank: frequently asked questions
Is Pathfinder Bank a good bank?
Pathfinder Bank earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 97/100 and a customer-experience score of 45.5/100. Strongly capitalized (9.9% capital ratio); Profitable (ROA 0.91%).
Is Pathfinder Bank FDIC-insured?
Yes. Pathfinder Bank is a FDIC-insured bank (FDIC certificate #57497). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Pathfinder Bank?
Pathfinder Bank holds $1.4 billion in total assets, ranking 88th of 118 banks we track in New York. It operates 13 branches.
How many complaints does Pathfinder Bank have?
Consumers filed 18 complaints about Pathfinder Credit Services with the CFPB, or 12.7 per $1B in assets.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
