Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial services primarily in Oswego and Onondaga counties, New York. It accepts various deposits, including demand deposits, saving accounts, money management and money market deposit accounts, checking accounts, and time deposits, as well as certificates of deposit. The companys loan portfolio comprises one-to-four family residential real estate loans; commercial real estate loans; small business loans; consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts; commercial and municipal loans; home equity loans; and junior liens. As of April 1, 2016, it operated nine full service offices. The company was founded in 1859 and is headquartered in Oswego, New York.