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Pathfinder Bank

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Pathfinder Bank Rates & Review May 2026

Q: How many branches does Pathfinder Bank operate?

Pathfinder Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Pathfinder Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pathfinder Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 10, 2026

You can compare Pathfinder Bank rates to other rates in our database, including 12-month CD rates currently at 1.50%, 6-month CD rates at 1.41% and 3-month CD rates at 0.40%. Savings rates are at 0.15% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 5.95%. All these rates can be compared to Pathfinder Bank rates. MonitorBankRates evaluates the financial stability of Pathfinder Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.40%. Rates were last updated on 05/10/2026.

Pathfinder Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pathfinder Bank? Share your experience about Pathfinder Bank by leaving a review below, or read customer reviews before you decide to use Pathfinder Bank.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.40%

Excellent Higher than avg

Pathfinder Bank

214 W 1st St
Oswego, NY 13126

https://www.pathfinderbank.com

Current Rate Availability

We do not have Pathfinder Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Pathfinder Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Pathfinder Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Pathfinder Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Pathfinder Bank

Bank Holding Company PATHFINDER BCORP INC

Address 214 W 1st St, Oswego, NY 13126 · Oswego

Website https://www.pathfinderbank.com

FDIC Certificate # 57497

Established 10/25/2002

FDIC Insurance Date 10/25/2002

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8054%

Return on Equity (ROE) 8.7300%

Non-Performing Loans (NPL) 1.14%

Total Assets $1,416,480,000

Total Deposits $1,192,127,000

Equity Capital $138,225,000

Net Income $-1,720,000

Headquarters Oswego

Total Offices 13

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Pathfinder Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Pathfinder Bank

Frequently Asked Questions About Pathfinder Bank

Is Pathfinder Bank a safe place to deposit money?

Yes, Pathfinder Bank is considered a safe financial institution. With a Texas Ratio of 12.400997415511%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Pathfinder Bank operate?

Pathfinder Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Pathfinder Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pathfinder Bank provides members with tools to manage their accounts and build a solid financial history.

Does Pathfinder Bank offer online and mobile banking?

Most modern institutions like Pathfinder Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pathfinderbank.com.