Pathfinder Bancorp, Inc. is a bank holding company for Pathfinder Bank, providing banking and financial products and services in the United States. Its deposit products include checking, savings, and money market accounts, certificates of deposit, and demand and time deposits. The loan portfolio covers commercial and residential real estate, commercial, construction, and tax-exempt loans, home equity loans and junior liens, and consumer loans such as automobile, recreational vehicle, and unsecured personal loans, plus unsecured lines of credit and loans secured by deposit accounts. The company also operates a property, casualty, and life insurance brokerage business, serving individuals, families, small to mid-size businesses, and municipalities. Founded in 1859, it is headquartered in Oswego, New York.