| Weiss Ratings |
Pathfinder Bank
Oswego, NY |
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| Rating | ||||
| Asset Quality Index | 2.40 | |||
| Capitalization Index | 8.00 | |||
| Liquidity Index | 3.50 | |||
| Profitability Index | 3.20 | |||
| Stability Index | 6.90 | |||
| 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 | -0.72% | |||
| 5-Year Asset Growth | 3.17% | |||
| 5-Year Charge-Offs to Average Loans | 0.43% | |||
| Charge-Offs to Average Loans | 0.48% | |||
| Non-Performing Assets to Assets | 3.08% | |||
| Non-Performing Loans to Capital | 25.60% | |||
| Non-Performing Loans to Loans | 4.84% | |||
| Balance Sheet |
Pathfinder Bank
Oswego, NY |
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| Total Assets | 1.49B | |||
| Total Deposits | 1.18B | |||
| Capital and Reserves |
Pathfinder Bank
Oswego, NY |
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| Capital | 141.73M | |||
| Leverage Ratio | 9.64 | |||
| Loan Loss Reserves to Loans | 3.01% | |||
| Risk-Based Capital Ratio | 14.62 | |||
| Liquidity |
Pathfinder Bank
Oswego, NY |
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| Hot Money Ratio | 20.09% | |||
| Liquidity Ratio | 20.50% | |||
| Profitability |
Pathfinder Bank
Oswego, NY |
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| 5-Year Return on Average Assets | 0.67% | |||
| Net Income | 6.74M | |||
| Net Interest Spread | 3.35% | |||
| Operating Profit to Average Assets | 1.15% | |||
| Overhead Efficiency Ratio | 67.43% | |||
| Return on Assets | 0.95% | |||
| Return on Equity | 9.64% | |||