Pathfinder Bancorp, Inc.

# Pathfinder Bancorp, Inc.

Pathfinder Bancorp operates as a bank holding company for Pathfinder Bank, a regional financial institution providing traditional banking and related services across the United States. The company's deposit offerings include checking, savings, and money market accounts; certificates of deposit; and demand and time deposits. Its lending operations span commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans, alongside home equity products, consumer installment loans for automobiles and recreational vehicles, and unsecured personal loans and lines of credit.

Beyond core banking, Pathfinder Bancorp maintains involvement in property, casualty, and life insurance brokerage operations, creating an additional revenue stream. The company primarily serves individuals, families, small to mid-size businesses, and municipal entities in its market areas.

Headquartered in Oswego, New York, Pathfinder Bancorp was founded in 1859, reflecting a presence in the regional banking sector spanning more than 160 years. The company operates as a Maryland-incorporated entity and maintains public listing on Nasdaq, with a market capitalization of approximately $0.1 billion.