This bank wants customers beating a path to its door. Pathfinder Bancorp is the holding company for Pathfinder Bank, which operates seven branches serving upstate New York's Oswego County and surrounding areas. Founded in 1859, the bank provides standard services such as checking and savings accounts, money market accounts, IRAs, CDs, and credit cards. It primarily originates residential real estate loans, which account for the majority of the company's loan portfolio. The bank's Pathfinder Investment Services division provides mutual funds, insurance, brokerage, and financial advisory services. Mutual holding company Pathfinder Bancorp, M.H.C., owns nearly two-thirds of the company.