| Weiss Ratings |
Pathfinder Bank
Oswego, NY |
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| Rating | ||||
| Asset Quality Index | 4.70 | |||
| Capitalization Index | 8.20 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 4.10 | |||
| 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 | 2.89% | |||
| 5-Year Asset Growth | 6.95% | |||
| 5-Year Charge-Offs to Average Loans | 0.35% | |||
| Charge-Offs to Average Loans | 0.15% | |||
| Non-Performing Assets to Assets | 0.99% | |||
| Non-Performing Loans to Capital | 8.13% | |||
| Non-Performing Loans to Loans | 1.64% | |||
| Balance Sheet |
Pathfinder Bank
Oswego, NY |
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| Total Assets | 1.49B | |||
| Total Deposits | 1.27B | |||
| Capital and Reserves |
Pathfinder Bank
Oswego, NY |
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| Capital | 143.73M | |||
| Leverage Ratio | 9.80 | |||
| Loan Loss Reserves to Loans | 1.91% | |||
| Risk-Based Capital Ratio | 14.86 | |||
| Liquidity |
Pathfinder Bank
Oswego, NY |
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| Hot Money Ratio | 23.13% | |||
| Liquidity Ratio | 18.34% | |||
| Profitability |
Pathfinder Bank
Oswego, NY |
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| 5-Year Return on Average Assets | 0.83% | |||
| Net Income | 3.47M | |||
| Net Interest Spread | 3.51% | |||
| Operating Profit to Average Assets | 1.20% | |||
| Overhead Efficiency Ratio | 62.49% | |||
| Return on Assets | 0.96% | |||
| Return on Equity | 9.77% | |||