BlastPoint's Banking Scorecard
Pathfinder Bank
Community
Specialty: Commercial
NY
FDIC cert 57497
Oswego, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Pathfinder Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 37% in Community
- - Return on Assets 1.28% below tier
- - Delinquency Rate 2.53% above tier
- - Nonperforming Asset Ratio 1.46% above tier
- - Non-Interest Income / Assets 0.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-3.6% YoY
-3.2% QoQ
|
+$25.0M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$873.1M
-3.2% YoY
-0.8% QoQ
|
-$102.3M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$1.2B
-1.6% YoY
-3.2% QoQ
|
+$27.5M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
-0.12%
-132.0% YoY
-125.6% QoQ
|
-1.28% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.47%
+8.0% YoY
-0.8% QoQ
|
-0.20% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
68.20%
+6.6% YoY
+2.5% QoQ
|
+5.57% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
3.16%
+28.9% YoY
+19.2% QoQ
|
+2.53% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
73.24%
-1.6% YoY
+2.6% QoQ
|
-9.82% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
16.97%
-6.2% YoY
+3.5% QoQ
|
-4.07% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.96%
+30.1% YoY
+22.0% QoQ
|
+1.46% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
13.39%
-0.1% YoY
-0.5% QoQ
|
+3.14% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.03%
-95.5% YoY
+541.2% QoQ
|
-0.71% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Deposit Outflow
decline
#93 of 248 · Bottom 37% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.12%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.16%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
1.96%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
62
62th pctile
Total Loans
Current: $873.1M · Tier avg: $975.5M
62
62th pctile
Tier 1 Capital Ratio
Current: 13.39% · Tier avg: 10.24%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.97% · Tier avg: 21.05%
31
31th pctile
Efficiency Ratio
Current: 68.20% · Tier avg: 62.63%
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.24% · Tier avg: 83.06%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.96% · Tier avg: 0.50%
2
2th pctile
Return on Assets
Current: -0.12% · Tier avg: 1.16%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
0
0th pctile
Delinquency Rate
Current: 3.16% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.16% · Tier avg: 0.63%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
2
2th pctile
Return on Assets
Current: -0.12% · Tier avg: 1.16%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.96% · Tier avg: 0.50%
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.24% · Tier avg: 83.06%
31
31th pctile
Efficiency Ratio
Current: 68.20% · Tier avg: 62.63%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.97% · Tier avg: 21.05%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.39% · Tier avg: 10.24%
62
62th pctile
Total Loans
Current: $873.1M · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B