How big is Pathfinder Bank's plan?

Pathfinder Bank's plan reported $18.7M in assets and 31 participants for 2024.

Original filing (PDF)20260324133253NAL0002853265001

Pathfinder Bank

Name: Pathfinder Bank — The Retirement Plan of Pathfinder, Form 5500 (2024)
Creator: Pathfinder Bank
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

The Retirement Plan of Pathfinder Bank

Defined-benefit pension plan · Pathfinder Bank's The Retirement Plan of Pathfinder Bank held $18.7M in plan assets for 31 participants in 2024.

Active participants

Accounts w/ balance

—

Plan assets (EOY)

$18.7M

Net assets (EOY)

$18.7M

People on this filing

Regina BASS signed Pathfinder Bank's 2024 Form 5500 as plan administrator.

Regina BASS — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Pathfinder Bank's EIN is 15-0408130.

EIN 15-0408130

Plan number 001

Plan year 2024

ACK ID 20260324133253NAL0002853265001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Pathfinder Bank from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Pathfinder Bank's plan includes a defined-benefit pension formula, a frozen benefit (no new accruals).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for PATHFINDER BANK.

Finding similar companies…

How this plan invests

This plan

62 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Average plan with room to improve

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool. Based on 80% of scoring inputs for this filing.

Compliance & integrity

100

Total plan cost

Plan health

n/a

Vendor & structure

Knocking points off

Total administrative cost in the bottom quartile of peers (9th percentile).
Plan is frozen (1I) — no new benefit accrual.

Helping the score

Plan health not scored — no comparable participation/contribution data.

Plan sponsor

Name

PATHFINDER BANK

EIN

all filings

Address

214 WEST FIRST STREET · OSWEGO, NY · 131262547

Phone

(315) 343-0057

Industry

Finance & Insurance

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-10-01

Tax period

2025-09-30

Filed

2026-03-24

Pension benefit codes

1A · Pay-related DB formula

1I · Frozen plan — no new benefit accrual

Audit & trust (Schedule H)

Auditor

BONADIO & CO., LLP

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

3 rows

Investment manager

Name	EIN	Location	Relation	Direct comp	Indirect comp
NOTTINGHAM ADVISORS, INC.	16-1133372	—	NONE	$62K	—

Other service providers

Name	EIN	Location	Relation	Direct comp	Indirect comp
BPAS ACTUARIAL & PENSION SERVICES	30-0192194	—	NONE	$49K	—
NOTTINGHAM TRUST	16-1213679

Investments

62 direct securities· $18.6M(99% of reported assets)

Other securities

$5.4M

13 holdings

U.S. Treasuries

$5.3M

6 holdings

Bonds / Notes

$3.7M

35 holdings

Common Collective Trusts

$2.6M

2 holdings

Common Stocks

$842K

1 holding

Cash / Money Market

$401K

2 holdings

Mutual Funds

$193K

2 holdings

Structured Credit (CLO/ABS)

$162K

Fund families in this plan

Detected from the parsed Schedule of Assets. Click a family to see every plan that holds it — ranked by position size.

State Street / SPDR$4.6M BlackRock / iShares$2.7M JPMorgan$842K Janus Henderson$246K Franklin Templeton$109K

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Researching more plans? Run a Form 5500 lookup by company name, EIN, or plan name.

					% of plan
ISHARES CORE MSCI EAFE ETF Mutual Funds	Other securities	—	$1.3M	$1.7M	8.8%
UNITED STATES TREASURY NOTE U.S. Government Security; 3.875% 08/15/33	U.S. Treasuries	—	$1.5M	$1.6M	8.5%
SPDR PORTFOLIO S&P 500 Mutual Funds	Common Collective Trusts	—	$1.0M	$1.5M	8.3%
UNITED STATES TREASURY BOND U.S. Government Security; 4.375% 08/15/43	U.S. Treasuries	—	$1.2M	$1.3M	6.7%
SPDR PORTFOLIO S&P500 GROWTH Mutual Funds	Other securities	—	$623K	$1.1M	5.6%
UNITED STATES TREASURY NOTE U.S. Government Security; 4.625% 09/30/30	U.S. Treasuries	—	$994K	$1.0M	5.6%
SPDR PORTFOLIO S&P 500 VALUE Mutual Funds	Common Collective Trusts	—	$780K	$1.0M	5.4%
UNITED STATES TREASURY BOND U.S. Government Security; 4.125% 08/15/53	U.S. Treasuries	—	$895K	$903K	4.8%
JPMORGAN EQUITY PREMIUM INC Mutual Funds	Common Stocks	—	$809K	$842K	4.5%
ISHARES CORE MSCI EMERGING MARKETS ETF Mutual Funds	Other securities	—	$424K	$583K	3.1%
FEDERAL FARM CREDIT BANK U.S. Government Security; 2.625% 10/15/49	Bonds / Notes	—	$515K	$495K	2.6%
SPDR PORTFOLIO MIDCAP ETF Mutual Funds	Other securities	—	$365K	$475K	2.5%
ISHARES TR BARCLYS MBS BD Mutual Funds	Other securities	—	$397K	$409K	2.2%
CBNA Daily Trust Sweep Pr Cash equivalent	Cash / Money Market	—	$363K	$363K	1.9%
FEDERAL FARM CREDIT BANK U.S. Government Security; 2.750% 03/07/39	Bonds / Notes	—	$344K	$354K	1.9%
SPDR PORTFOLIO SMALLCAP ETF Mutual Funds	Other securities	—	$257K	$326K	1.7%
UNITED STATES TREASURY NOTE U.S. Government Security; 4.625% 09/30/28	U.S. Treasuries	—	$299K	$308K	1.6%
OR ST HIGHER ED U.S. Government Security; 5.152% 08/01/53	Bonds / Notes	—	$251K	$243K	1.3%
UNITED STATES TREASURY NOTE U.S. Government Security; 4.750% 02/15/41	U.S. Treasuries	—	$219K	$226K	1.2%
AVANTIS EMERGING MKTS EQ Mutual Funds	Other securities	—	$174K	$212K	1.1%
AVANTIS US SMALLCAP VALUE Mutual Funds	Other securities	—	$175K	$197K	1.1%
FEDERAL HOME LOAN BANKS U.S. Government Security; 2.000% 02/10/39	Bonds / Notes	—	$173K	$179K	1.0%
DUKE ENERGY CAROLINA LLC Corporate Bonds; 6.050% 04/15/38	Bonds / Notes	—	$159K	$163K	0.9%
JANUS DETROIT STREET TR HENDERSON AAA CLO Mutual Funds	Structured Credit (CLO/ABS)	—	$162K	$162K	0.9%
ALABAMA POWER COMPANY Corporate Bonds; 6.000% 03/01/39	Bonds / Notes	—	$158K	$162K	0.9%
GATX CORP Corporate Bonds; 3.100% 06/01/51	Bonds / Notes	—	$160K	$161K	0.9%
ORACLE CORPORATION Corporate Bonds; 5.375% 07/15/40	Bonds / Notes	—	$145K	$147K	0.8%
KINDER MORGAN INC Corporate Bonds; 3.600% 02/15/51	Bonds / Notes	—	$138K	$141K	0.8%
BURLINGTON NORTH SANTA FE Corporate Bonds; 4.400% 03/15/42	Bonds / Notes	—	$134K	$135K	0.7%
DUKE ENERGY PROGRESS INC Corporate Bonds; 4.375% 03/30/44	Bonds / Notes	—	$128K	$131K	0.7%
TN HDA U.S. Government Security; 5.965% 07/01/54	Bonds / Notes	—	$126K	$126K	0.7%
AVANTIS INTERNATIONAL ETF Mutual Funds	Other securities	—	$89K	$125K	0.7%
NM HFA U.S. Government Security; 6.066% 09/01/55	Bonds / Notes	—	$122K	$122K	0.7%
BNY MELLON GLOBAL INFRASTRUCTURE ETF Mutual Funds	Other securities	—	$82K	$109K	0.6%
FRANKLIN FTSE CANADA Mutual Funds	Mutual Funds	—	$82K	$109K	0.6%
VA SNGL HSG DEV U.S. Government Security; 5.830% 07/01/38	Bonds / Notes	—	$105K	$108K	0.6%
SPDR S&P CAPITAL MARKETS Mutual Funds	Other securities	—	$100K	$104K	0.6%
FEDERAL FARM CREDIT BANK U.S. Government Security; 5.660% 10/04/38	Bonds / Notes	—	$99K	$102K	0.5%
ISHARES MSCI EUROZONE ETF Mutual Funds	Other securities	—	$77K	$93K	0.5%
JANUS HENDERSON SECURITIZED INCOME ETF Mutual Funds	Mutual Funds	—	$83K	$84K	0.4%
WAL−MART STORES INC Corporate Bonds; 6.500% 08/15/37	Bonds / Notes	—	$55K	$58K	0.3%
ORACLE CORPORATION Corporate Bonds; 6.500% 04/15/38	Bonds / Notes	—	$50K	$55K	0.3%
UTILITIES SELECT SECTOR SPDR Mutual Funds	Other securities	—	$42K	$52K	0.3%
SOUTHERN COMPANY GLBL Corporate Bonds; 4.850% 06/15/28	Bonds / Notes	—	$48K	$51K	0.3%
APPLE INC Corporate Bonds; 4.300% 05/10/33	Bonds / Notes	—	$47K	$51K	0.3%
PARKER−HANNIFIN CORP Corporate Bonds; 4.250% 09/15/27	Bonds / Notes	—	$48K	$50K	0.3%
MICROSOFT CORPORATION Corporate Bonds; 4.200% 11/03/35	Bonds / Notes	—	$46K	$50K	0.3%
ALTRIA GROUP INC Corporate Bonds; 4.400% 02/14/26	Bonds / Notes	—	$49K	$50K	0.3%
GENERAL DYNAMICS CORP Corporate Bonds; 3.500% 04/01/27	Bonds / Notes	—	$47K	$50K	0.3%
REPUBLIC SERVICES INC Corporate Bonds; 3.375% 11/15/27	Bonds / Notes	—	$46K	$49K	0.3%

1–50 of 62

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