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Pathfinder Bancorp Inc (MARYLAND)
214 W 1st St
Phone: (315) 343-0057p:315 343-0057 OSWEGO, NY  13126-2550  United States Ticker: PBHCPBHC
Business Summary
Pathfinder Bancorp, Inc. is a holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public, and investing such deposits, in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by United States Government sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga countries and one limited purpose office in Oneida County.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes---

Industries
SIC Code Description
6036 Savings institutions, not federally chartered
6029 Commercial banks, not elsewhere classified
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
President, Chief Executive Officer of the Company and the Bank James A.Dowd 56 3/29/2023
Senior Vice President, Chief Financial Officer Justin K.Bigham 50 6/28/2024 6/28/2024
Chief Operating Officer, Senior Vice President of the Company and the Bank Robert G.Butkowski 48 10/31/2023 10/31/2023
8 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
PathFinder Bank 214 West First Street Oswego NY United States
PATHFINDER BANK 214 WEST FIRST STREET OSWEGO NY United States

Business Names
Business Name
FitzGibbons Agency, LLC
Pathfinder Bank
Pathfinder Risk Management Company Inc.
Pathfinder Statutory Trust II
PBHC

General Information
Number of Employees: 161 (As of 12/31/2023)
Outstanding Shares: 6,100,071 (As of 11/4/2024)
Shareholders: 310
Stock Exchange: NASD
Federal Tax Id: 383941859


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Tuesday, December 3, 2024