Pathfinder Bancorp, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Oswego, NY. Its latest filed balance sheet (2025-12-31) shows total assets of $1.4 billion (its filed statements).
Lending businessState Commercial BanksOswego, NYfilings since 20148 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 2.1 out of ten, 8 of 9 metrics filed and 1 estimated: past 2.6 out of ten, present 1.8 out of ten, future 1.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 2.6 out of ten. 1 warning event since 2017; the latest 2019-04-04. 26th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 4.4 out of ten. +13.7% a year over 10 filed years; profitable in 9 of 10. 44th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 1.4 out of ten. CrossAssetData estimate 1.4/10, confidence 35 of 100 (one part). 15th percentile among 162 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Financial health (present): 1.1 out of ten. ROE -2%: lost 2¢ per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 11th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 1.4 out of ten. bottom 14% of 155 in its family; net margin -2.5%. 14th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 4.1 out of ten. bottom 41% of 150 in its family for leadership; chief executive since 2023. 41st percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 1.9 out of ten. bottom 19% of 142 in its family for room to expand. 19th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 2.4 out of ten. bottom 24% of 152 in its family for growth drivers. 24th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 1.1 out of ten. bottom 11% of 150 in its family for expectations against reality. 11th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-30 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-13 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 (on EDGAR). Newest filing: Form 8-K, 2026-09-28. Filings on record since 2014. Read from EDGAR 2026-10-12.
Who runs it
Dowd, James A. (President and CEO); O'Brien, William D (Senior Vice President); Bass, Regina E (First Vice President); Bigham, Justin K. (Executive Vice President, CFO); Butkowski, Robert G. Jr. (Senior Vice President); Mcmanus, Joseph Paul (Senior Vice President, CIO); Serbun, Joseph F (Senior Vice President); Tascarella, Ronald G. (Senior Vice President); Polniak, Joseph (FVP, General Counsel); Littlejohn, Melanie (director); and 3 more. 13 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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