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Pathfinder Bancorp, Inc. (the "Company") is a Federally chartered mid-tier
holding company headquartered in Oswego, New York. The primary business of the
Company is its investment in Pathfinder Bank (the "Bank") and Pathfinder
Statutory Trust I. The Company is majority owned by Pathfinder Bancorp, M.H.C.,
a federally-chartered mutual holding company (the "Mutual Holding Company").
At December 31, 2007, the Mutual Holding Company held 1,583,239 shares of Common
Stock and the public held 900,493 shares of Common Stock (the "Minority
shareholders"). At December 31, 2007, Pathfinder Bancorp, Inc. had total assets
of $320.7 million, total deposits of $251.1 million and shareholders' equity of
$21.7 million.
The Company's executive office is located at 214 West First Street, Oswego, New
York and the telephone number at that address is (315) 343-0057.
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