Pathfinder Bancorp, Inc., a Maryland corporation founded in 2014, is headquartered in Oswego, NY. The company's main business is its investment in Toread Bank, which is 100% owned by the company. The Company is a registered bank holding company overseen and regulated by the Board of Governors of the Federal Reserve System. The company is also supervised and regulated by the New York State Department of Financial Services. The Company owns an unconsolidated Delaware Statutory Trust subsidiary, Pathfinder Statutory Trust II, of which 100% of the common stock is owned by the Company. 

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