Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. (NASDAQ: PFBC) operates as a bank holding company headquartered in Oswego, New York, with its primary business consisting of 100% ownership of Pathfinder Bank, a New York-chartered commercial bank. The company's website is located at pathfinderbank.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Pathfinder Bancorp, Inc. does
In the company’s own words
Pathfinder Bancorp, Inc. (NASDAQ: PFBC) operates as a bank holding company headquartered in Oswego, New York, with its primary business consisting of 100% ownership of Pathfinder Bank, a New York-chartered commercial bank. The company's website is located at pathfinderbank.com.
Pathfinder Bank provides comprehensive financial services to individuals, families, small to mid-size businesses, and municipalities across its market area through thirteen branch offices located in Oswego County, Onondaga County, and Oneida County in New York. The bank's primary lending market encompasses both Oswego and Onondaga Counties, with deposit generation concentrated in Oswego County and surrounding Onondaga County areas.
The bank's core business involves attracting deposits from the general public and deploying those funds through a diversified lending portfolio. Commercial real estate loans represent a significant focus, with target loan sizes ranging from $500,000 to $2.0 million for small businesses and real estate projects. The loan portfolio also includes commercial business loans, one-to-four family residential real estate loans, municipal loans, home equity loans, and consumer loans. The bank maintains a substantial investment securities portfolio comprising United States Government and agency obligations, mortgage-backed securities, municipal securities, and corporate debt instruments.
As of December 31, 2025, Pathfinder Bancorp maintained total consolidated assets of $1.43 billion, total deposits of $1.18 billion, and shareholders' equity of $122.5 million. The company had 6,185,644 shares of common stock outstanding, consisting of both voting common stock and Series A non-voting common stock resulting from a 2021 conversion of preferred shares.
The company operates in a competitive regional market where it holds the largest deposit market share in Oswego County at 43.9% and maintains the fourth largest market share across both Oswego and Onondaga Counties combined at 8.6%. The regional economy benefits from diverse sectors including manufacturing, energy production, healthcare, education, and government, with anticipated growth from semiconductor manufacturing investments in the area.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- OSWEGO, NY
- Fiscal year end
- December
- CIK
- 1609065
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Pathfinder Bancorp, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Pathfinder Bancorp, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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