| Weiss Ratings |
Pathfinder Bank
Oswego, NY |
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| Rating | ||||
| Asset Quality Index | 2.80 | |||
| Capitalization Index | 7.50 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 1.40 | |||
| Stability Index | 7.30 | |||
| Company Info |
Pathfinder Bank
Oswego, NY |
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| FDIC Number | 57497 | |||
| Phone Number | (315) 343-0057 | |||
| Website | www.pathfinderbank.com | |||
| Asset Quality |
Pathfinder Bank
Oswego, NY |
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| 1-Year Asset Growth | -3.58% | |||
| 5-Year Asset Growth | 3.17% | |||
| 5-Year Charge-Offs to Average Loans | 0.35% | |||
| Charge-Offs to Average Loans | 0.46% | |||
| Non-Performing Assets to Assets | 2.89% | |||
| Non-Performing Loans to Capital | 20.93% | |||
| Non-Performing Loans to Loans | 4.55% | |||
| Balance Sheet |
Pathfinder Bank
Oswego, NY |
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| Total Assets | 1.42B | |||
| Total Deposits | 1.19B | |||
| Capital and Reserves |
Pathfinder Bank
Oswego, NY |
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| Capital | 138.23M | |||
| Leverage Ratio | 9.36 | |||
| Loan Loss Reserves to Loans | 3.26% | |||
| Risk-Based Capital Ratio | 14.66 | |||
| Liquidity |
Pathfinder Bank
Oswego, NY |
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| Hot Money Ratio | 22.24% | |||
| Liquidity Ratio | 15.01% | |||
| Profitability |
Pathfinder Bank
Oswego, NY |
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| 5-Year Return on Average Assets | 0.83% | |||
| Net Income | -1.72M | |||
| Net Interest Spread | 3.43% | |||
| Operating Profit to Average Assets | -0.14% | |||
| Overhead Efficiency Ratio | 69.53% | |||
| Return on Assets | -0.12% | |||
| Return on Equity | -1.21% | |||