Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 20.5 percent and a “hot money” ratio of 20.1 percent. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (3.2) profitability.
Asset Mix:
Securities (32%), comm re (19%), home mtgs (17%), comm loans (13%), consumer loans (4%), cash (2%), home eq lns (2%), other (12%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Pathfinder Bancorp, Inc.
Investment Rating
Address
214 West First Street
Oswego, NY 13126
Oswego, NY 13126
Phone Number
(315) 343-0057
Year Founded
2002
FDIC Number
Website
Largest Affiliates
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