Pathfinder Bancorp, Inc., through its principal subsidiary, Pathfinder Bank (bank), offers banking and financial services in the Oswego County. It offers demand and time deposits; and NOW, savings and club, and money management accounts. The bank also originates commercial and residential real estate, commercial, and consumer loans. As of December 31, 2004, the bank operated six full-service offices. It invests primarily in securities issued by the United States government agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, equity securities, and mortgage-backed securities primarily issued or guaranteed by the United States government sponsored enterprises. The company is headquartered in Oswego, New York. Pathfinder Bancorp, Inc. is majority owned by Pathfinder Bancorp, M.H.C.
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