| Weiss Ratings |
Pathfinder Bank
Oswego, NY |
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| Rating | ||||
| Asset Quality Index | 4.30 | |||
| Capitalization Index | 8.00 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 1.00 | |||
| Stability Index | 6.70 | |||
| 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 | 4.08% | |||
| 5-Year Asset Growth | 6.95% | |||
| 5-Year Charge-Offs to Average Loans | 0.35% | |||
| Charge-Offs to Average Loans | 0.64% | |||
| Non-Performing Assets to Assets | 1.63% | |||
| Non-Performing Loans to Capital | 11.42% | |||
| Non-Performing Loans to Loans | 2.69% | |||
| Balance Sheet |
Pathfinder Bank
Oswego, NY |
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| Total Assets | 1.50B | |||
| Total Deposits | 1.23B | |||
| Capital and Reserves |
Pathfinder Bank
Oswego, NY |
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| Capital | 142.60M | |||
| Leverage Ratio | 9.68 | |||
| Loan Loss Reserves to Loans | 1.75% | |||
| Risk-Based Capital Ratio | 14.87 | |||
| Liquidity |
Pathfinder Bank
Oswego, NY |
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| Hot Money Ratio | 23.20% | |||
| Liquidity Ratio | 16.38% | |||
| Profitability |
Pathfinder Bank
Oswego, NY |
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| 5-Year Return on Average Assets | 0.83% | |||
| Net Income | 3.87M | |||
| Net Interest Spread | 3.42% | |||
| Operating Profit to Average Assets | 0.66% | |||
| Overhead Efficiency Ratio | 70.55% | |||
| Return on Assets | 0.53% | |||
| Return on Equity | 5.43% | |||