BlastPoint's Banking Scorecard

Pathfinder Bank

$1B-$10B Specialty: Commercial NY FDIC cert 57497

Designations: ✓ Community bank

Oswego, NY

13 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
Deposits -3.9% year over year ($1.2B on the books).
Delinquency rate 4.84%.
Return on assets 0.94%.
Efficiency ratio 66.14% vs a 59.73% peer average.
Loan-to-deposit ratio 73.42% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY

View $1B-$10B leaderboard (NY) →

Pathfinder Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 19.8% in tier
- Delinquency Rate 3.97% above tier average
- Nonperforming Asset Ratio 2.33% above tier average
- ROA 0.45% below tier average
- Net Interest Margin 0.49% below tier average
- Efficiency Ratio 6.41% above tier average

Get updates when Pathfinder Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$1.5B -0.7% YoY +5.0% QoQ	-$1.3B	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	34%
Total Loans ?	$867.8M -3.2% YoY -0.5% QoQ	-$1.1B	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$1.2B -3.9% YoY -3.0% QoQ	-$1.1B	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	0.94% +79.7% YoY +3.0% QoQ	-0.45%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	3.38% -1.3% YoY -0.8% QoQ	-0.49%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	66.14% -4.3% YoY -1.5% QoQ	+6.41%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	4.84% +271.1% YoY -3.8% QoQ	+3.97%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 0.9% in tier
Loan-to-Deposit Ratio ?	73.42% +0.6% YoY +2.6% QoQ	-11.61%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	18.71% +16.5% YoY +7.3% QoQ	-2.56%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	3.00% +281.7% YoY -8.5% QoQ	+2.33%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 2.8% in tier
Tier 1 Capital Ratio ?	13.36% -1.9% YoY -1.8% QoQ	-1.49%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.13% +258.6% YoY +116.6% QoQ	-0.39%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 14.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	18.7% +2.7pp YoY +1.3pp QoQ	-2.7pp	21.4%	22.1%	22.2%	43%
Brokered Deposits	7.0% -2.7pp YoY -0.2pp QoQ	-2.5pp	9.5%	8.0%	8.5%	58%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	21.4% -0.4pp YoY -0.6pp QoQ	+7.4pp	14.0%	11.0%	12.5%	83%
CRE	40.7% +1.8pp YoY +0.5pp QoQ	-9.3pp	50.0%	46.2%	41.4%	26%
1-4 Family	33.0% +0.8pp YoY +0.4pp QoQ	+6.6pp	26.4%	36.6%	31.3%	71%
Consumer	6.6% -0.9pp YoY -0.3pp QoQ	+1.9pp	4.7%	5.1%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	13.4% -0.3pp YoY -0.2pp QoQ	-2.2pp	15.6%	26.1%	19.7%	47%
Leverage Ratio	9.6% 0.0pp YoY -0.2pp QoQ	-1.7pp	11.3%	13.9%	12.6%	26%
Total Capital Ratio	14.6% -0.2pp YoY -0.2pp QoQ	-2.1pp	16.7%	27.2%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	180 -2 (-1.1%) YoY 0 QoQ	-134	313	914	482	34%
Assets per Employee ($)	$8.3M +0.4% YoY +5.0% QoQ	-$2.2M	$10.5M	$14.8M	$8.8M	44%
Branch Count	13 0 YoY 0 QoQ	-7	20	27	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	5.1% +3.8pp YoY -0.2pp QoQ	+4.3pp	0.8%	1.3%	1.0%	99%
Allowance Coverage	0.64x -53.1% YoY -3.0% QoQ	-18.07x	18.71x	1.92x	20.23x	10%
Net Charge-off Rate (YTD)	0.5% -0.2pp YoY +0.4pp QoQ	+0.2pp	0.3%	0.1%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	9.6% +4.2pp YoY +0.4pp QoQ	-3.0pp	12.6%	7.9%	11.6%	30%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.8%	1.7%	60%
Net Income ($, YTD)	$6.7M +74.2% YoY — QoQ	-$12.5M	$19.2M	$111.2M	$40.4M	21%

Get Full Access to Pathfinder Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#33 of 162 • Bottom 19.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.94%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

185

Loan-to-Deposit Ratio

liquidity

Value: 73.42%

Peer Median: 85.04%

#185 of 885 Top 20.8% in $1B-$10B

Top Weaknesses (4 metrics)

875

Delinquency Rate

credit_quality

Value: 4.84%

Peer Median: 0.87%

#875 of 882 Bottom 0.9% in $1B-$10B

861

Nonperforming Asset Ratio

credit_quality

Value: 3.00%

Peer Median: 0.67%

#861 of 885 Bottom 2.8% in $1B-$10B

754

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.53%

#754 of 885 Bottom 14.9% in $1B-$10B

708

Total Loans

size

Value: $867.76M

Peer Median: $1.96B

#708 of 885 Bottom 20.1% in $1B-$10B