Pathfinder Bancorp, Inc. is a Maryland corporation headquartered in Oswego, New York. The primary business of the company is its investment in Pathfinder Bank which is 100% owned by the company. The Bank is a New York chartered commercial bank. The Bank is primarily engaged in the business of attracting deposits from the general public in the Bank’s market areas, and investing such deposits, together with other sources of funds into loans secured by commercial real estate, residential real estate, small business loans and consumer loans. Our mission is to foster relationships with individuals and businesses within our communities to be the financial provider of choice. Our goal is to continually enhance the value of the bank for benefit of our shareholders, customers, employees and communities.