BlastPoint's Banking Scorecard
Pathfinder Bank
Designations: ✓ Community bank
Oswego, NY
13 branches across NY
Pathfinder Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 41.9% in tier
- - Deposit Outflow: Bottom 48.5% in tier
- - Delinquency Rate 4.14% above tier average
- - Nonperforming Asset Ratio 2.61% above tier average
- - ROA 0.46% below tier average
- - Net Interest Margin 0.41% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-4.9% YoY
-0.1% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$871.9M
-2.5% YoY
-0.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$1.2B
-4.2% YoY
+2.3% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.91%
-3.2% YoY
+875.6% QoQ
|
-0.46% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
3.41%
-3.3% YoY
-1.6% QoQ
|
-0.41% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
67.14%
+9.6% YoY
-1.6% QoQ
|
+6.08% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
5.02%
+239.8% YoY
+59.2% QoQ
|
+4.14% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.0% in tier |
| Loan-to-Deposit Ratio ? |
71.53%
+1.7% YoY
-2.3% QoQ
|
-12.67% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
17.44%
+6.0% YoY
+2.8% QoQ
|
-3.85% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
3.28%
+269.1% YoY
+67.8% QoQ
|
+2.61% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.9% in tier |
| Tier 1 Capital Ratio ? |
13.59%
-0.1% YoY
+1.6% QoQ
|
-1.57% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.06%
+8.9% YoY
+122.9% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.