Pathfinder Bank

Headquarters: Oswego, New York
Charter: Bank
Assets: $1.5B
Fed district: New York

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026

How these figures are measured

Call-report figures are for Pathfinder Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Pathfinder Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Pathfinder Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $336K in Q2 2026, 14% below the same quarter a year earlier ($392K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10, the middle of its prices
Pathfinder Bank: $1 to $20
Pathfinder Bank: $1 to $20
U.S. median: no median
Overdraft (OD)
Pathfinder Bank: $17
Pathfinder Bank: $17
U.S. median: no median
NSF / Returned Item
Pathfinder Bank: $17
Pathfinder Bank: $17
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 17% from Q3 2025 to Q2 2026, to $336K.

Service-charge income, Q2 2026

$336K

$404KQ3 2025

$381KQ4 2025

$375KQ1 2026

$336KQ2 2026

Against the median

Pathfinder BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Pathfinder Bank · $1.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$1.4B to $1.5B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Pathfinder Bank(this institution)	Oswego, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Summit Bank	Johnstown, PA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
American Heritage Bank	Sapulpa, OK	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
American Riviera Bank	Santa Barbara, CA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ameriserv Financial Bank	Johnstown, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apex Bank	Camden, TN	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Armed Forces Bank, National Association	Fort Leavenworth, KS	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank Illinois	Geneseo, IL	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank	Elizabethton, TN	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank and Trust	Frostproof, FL	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Elkhorn Valley Bank & Trust	Norfolk, NE	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank Richmond	Richmond, IN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings Bank of Twin Falls	Twin Falls, ID	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Pulaski	Pulaski, TN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Greenfield Savings Bank	Greenfield, MA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Marquette Savings Bank	Erie, PA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
North State Bank	Raleigh, NC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Bank of Alabama	Cullman, AL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples State Bank	Wausau, WI	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Providence Bank	Rocky Mount, NC	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rhinebeck Bank	Rhinebeck, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Saco & Biddeford Savings Institution	Saco, ME	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Moody National Bank	Galveston, TX	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union County Savings Bank	Elizabeth, NJ	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Atmore, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Watertown Savings Bank	Watertown, MA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(monthly maintenance)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (43%) above the median of similar-sized banks.

Compared at $10, the middle of its five prices, against a peer median of $7 among 19 publishing peers.

Its five checking prices are $1, $5, $10, $15 and $20.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.

Monthly maintenance fee in dollars, one mark per institution

Pathfinder Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Pathfinder Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $336K
vs prior quarter: −$39K−10.4%; from Q1 2026
vs a year earlier: −$56K−14.3%; from Q2 2025
vs start of range: −$82K−19.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Pathfinder Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$336K	−$39K	−10.4%
Q1 2026	$375K	−$6K	−1.6%
Q4 2025	$381K	−$23K	−5.7%
Q3 2025	$404K	+$12K	+3.1%
Q2 2025	$392K	+$15K	+4.0%
Q1 2025	$377K	−$30K	−7.4%
Q4 2024	$407K	−$11K	−2.6%
Q3 2024	$418K	+$101K	+31.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Pathfinder Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$20
per month
Monthly Service Fee$1
per month
Monthly Service Fee$15
per month
Monthly Service Fee$5
per month
Monthly Service Fee$10
per month
Early Closeout Fee$25
Account Research/Reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper checking account statement service fee$2

Overdraft & NSF

Fee per overdraft item$17
per item
Nonsufficient Funds$17
per transaction
Returned ACH Items$17
per item
Discretionary Extended Overdraft (EOD, NSF, or UNF Fee)$17
per transaction

ATM & Card

Bank ATM$2
per item
Deposits/Withdrawals at an ATM we do not own or operate$2
per transaction
Reject/Denial at an ATM we do not own or operate$0.55
per transaction
Card Replacement Fee$10
per item
International ATM/POS Currency Conversion Fee (audience not stated, treated as personal)2%
per transaction

Wire Transfers

Outgoing Domestic Wire Transfer$25
per item
Incoming Wire Transfer$20
per item
Outgoing International Wire Transfer$50
per item

Check Services

Bank Checks$7
Certified Check$25
per item
Money Orders$3
per item
Stop Payment on ACH$35
per item
Stop Payment on Check$35
per item
Check Images$5
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Cash Advance Fee$3
per item
Return of Deposited Item$10
per item

Retirement & IRA

IRA Administration Fee$10
per year

Other Fees

Copy of Account Statements and other bank items$5
Copy of Debit Card Merchant Receipt$25
per item
Returned Loan Payment$20

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$20	per month	None
Monthly Service Fee	$1	per month	None
Monthly Service Fee	$15	per month	None
Monthly Service Fee	$5	per month	None
Monthly Service Fee	$10	per month	None
Early Closeout Fee	$25	Not stated	None
Account Research/Reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper checking account statement service fee	$2	Not stated	None
Overdraft & NSF
Fee per overdraft item	$17	per item	None
Nonsufficient Funds	$17	per transaction	None
Returned ACH Items	$17	per item	None
Discretionary Extended Overdraft (EOD, NSF, or UNF Fee)	$17	per transaction	None
ATM & Card
Bank ATM	$2	per item	None
Deposits/Withdrawals at an ATM we do not own or operate	$2	per transaction	None
Reject/Denial at an ATM we do not own or operate	$0.55	per transaction	None
Card Replacement Fee	$10	per item	None
International ATM/POS Currency Conversion Fee (audience not stated, treated as personal)	2%	per transaction	None
Wire Transfers
Outgoing Domestic Wire Transfer	$25	per item	None
Incoming Wire Transfer	$20	per item	None
Outgoing International Wire Transfer	$50	per item	None
Check Services
Bank Checks	$7	Not stated	None
Certified Check	$25	per item	None
Money Orders	$3	per item	None
Stop Payment on ACH	$35	per item	None
Stop Payment on Check	$35	per item	None
Check Images	$5Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Cash Advance Fee	$3	per item	None
Return of Deposited Item	$10	per item	None
Retirement & IRA
IRA Administration Fee	$10	per year	None
Other Fees
Copy of Account Statements and other bank items	$5	Not stated	None
Copy of Debit Card Merchant Receipt	$25	per item	None
Returned Loan Payment	$20	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Pathfinder Bank operates, and what regulators and customers have on file.

Market position

In Syracuse, NY, Pathfinder Bank holds 7.3% of bank deposits, #7 of 15, with 12 offices.

Compare fees with the 29 Syracuse, NY banks and credit unions in its home-metro peer set →

Offices in the metro

224 offices of 39 institutions shown.

Pathfinder BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Syracuse, NY metro (FDIC metro code 45060), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 4 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Manufacturers and Traders Trust Company22.5%
2KeyBank National Association15.7%
3JPMorgan Chase Bank, National Association11.3%
4NBT Bank, National Association9.6%
5Community Bank, National Association9.1%
6Bank of America, National Association7.4%
7Pathfinder Bank7.3%
8Solvay Bank6.6%

8 of 15 institutions shown. $16.2B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Syracuse, NY metro (FDIC metro code 45060)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 7.3% share, 12 offices, #7 of 15

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Syracuse, NY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

76 offices of 25 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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