Pathfinder Bancorp is a bank holding company that owns Pathfinder Bank, a commercial bank operating branch offices across Central New York that serves individuals, small to mid-size businesses, and municipalities. The bank's core business includes originating and purchasing commercial real estate, commercial business, residential, construction, and consumer loans across various products; accepting customer deposits through checking, savings, and money market accounts; and investing in securities including government obligations, municipal bonds, and mortgage-backed securities. The company generates revenue primarily from interest earned on loans and investment securities, with operating expenses driven by deposit and borrowing costs, employee compensation, data processing, and facilities.