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Company Description (as filed with the SEC)
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"). The Company is majority owned by Pathfinder Bancorp, M.H.C., a federally-chartered mutual holding company (the "Mutual Holding Company"). At December 31, 2013, the Mutual Holding Company held 1,583,239 shares of the Company's common stock ("Common Stock"), the public and the Employee Stock Ownership Plan ("ESOP"), collectively, held 1,039,943 shares (the "Minority Stockholders"). At December 31, 2013, Pathfinder Bancorp, Inc. and subsidiaries had total assets of $503.8 million, total deposits of $410.1 million and shareholders' equity of $42.7 million plus non-controlling interest of $358,000, which represents the 49% not owned by the Company as a result of the acquisition detailed in Note 23 to the Notes to Consolidated Financial Statements contained herein. ... More ...