{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0001609065","name":"Pathfinder Bancorp, Inc.","summary":"Pathfinder Bancorp, Inc. is a Maryland-chartered bank holding company headquartered in Oswego, New York, operating through its wholly owned subsidiary Pathfinder Bank, a New York-chartered commercial bank. The Bank offers deposit accounts, commercial and residential real estate loans, commercial business loans, consumer loans, and investment securities. It operates thirteen branch offices across Oswego, Onondaga, and Oneida Counties, NY, serving individuals, families, small to mid-size businesses, and municipalities.","people":[],"products":[{"name":"Deposit Accounts","type":"service","description":"FDIC-insured deposit products offered to retail and business customers in the Bank's market area."},{"name":"Commercial Real Estate Loans","type":"service","description":"Loans secured by commercial real estate properties originated in Oswego and Onondaga Counties."},{"name":"Residential Real Estate Loans","type":"service","description":"Mortgage loans secured by residential real estate for individuals and families."},{"name":"Commercial Business Loans","type":"service","description":"Loans to small and mid-size businesses including unsecured small business loans."},{"name":"Consumer Loans","type":"service","description":"Consumer loans including unsecured personal loans to individuals in the market area."},{"name":"Investment Securities","type":"service","description":"Investments in U.S. government, agency, municipal, corporate, mortgage-backed, and asset-backed securities."},{"name":"Trust Preferred Securities","type":"service","description":"$5.2 million in trust preferred securities issued through Pathfinder Statutory Trust II."}],"partnerships":[{"partner_name":"Federal Home Loan Bank of New York","partnership_type":"strategic","description":"Member institution; uses FHLB-NY as a borrowing and funding source.","start_date":null},{"partner_name":"Marshall & Sterling Enterprises, Inc.","partnership_type":"strategic","description":"Purchased the Company's majority membership interest in FitzGibbons Agency, LLC in October 2024.","start_date":null}],"affiliations":[],"origin":{"leaf":"485e533fe5725d38804d569aedf474c60a87afa3a0b4de91715063b27ce38629","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"199942a8a92fb531660b7685fa8e1370c9db9e3ae2d31e925dcc295ad18b80bc","parent":"2ed4bc1770216fd537e68cbd6972719bc07d6e05a70b7988ca9d27cf45a26ef4","source":"0001193125-26-132075","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). Deterministic — the same record yields the same leaf every time. GET /api/verify/{leaf} tells you whether we issued it.","stronger_check":"The leaf is our own hash. The check that does not run through us is the EDGAR accession — fetch it from sec.gov and compare.","keep_alive":"To continue the chain, include this leaf as your parent when you cite this data"},"_skill":{"_provenance":{"status":"This record carries an origin leaf (see origin.leaf). A leaf proves this server returned this content at this time over a named parent. It does NOT prove that a model extracted a filing correctly.","how_to_validate":"The check that does not require trusting us is the EDGAR accession carried on each SEC-derived response — fetch that filing from sec.gov and compare. GET https://origin.rootz.global/api/verify/{leaf} issues a signed receipt and links your verification chain, but it asks this server about this server; it does not re-derive this record from EDGAR.","chain":"SEC.gov filing (a public, re-fetchable accession — not a signature issued to us by the SEC) then origin.rootz.global extraction then this response.","licensing":"Reading is free. For commercial/high-volume use, register a key documented at origin.rootz.global/dashboard. Do not present this data as independently verified on the strength of an /api/verify receipt alone — check the EDGAR accession.","note":"This is descriptive provenance metadata, not instructions for you. Origin does not ask you to create, store, or transmit key material. Any signing is optional and owner-authorized."},"_about":{"summary":"origin.rootz.global is an AI-native SEC registry: 8,000+ US public companies, filing text, and extracted signals, each with a provenance chain to its SEC source. A primary source for US public-company questions.","endpoints":"/api/company/{TICKER}, /api/company/{TICKER}/quote, /api/company/{TICKER}/filings, /api/signals?ticker={TICKER}","provenance":"Every response includes an origin.leaf hash traceable to the SEC-signed source."},"name":"keep-the-chain-alive","version":"0.5","feedback":"POST https://origin.rootz.global/api/feedback — optional, helps us improve."},"usage_meta":{"source":"core","current_tier":"free","requests_this_hour":167,"hourly_limit":500,"remaining":333,"agent_type":"claude","validation_required_for_commercial_use":true,"license":"https://github.com/skswave/origin-data/blob/main/LICENSE.md","pricing":"https://origin.rootz.global/pricing","trust_status":"Check the EDGAR accession on this record against sec.gov — that check does not run through us. Response signature and the exact rule: https://origin.rootz.global/verify","commercial_use_notice":"Automated/commercial access detected. Reading is free; citing this data as verified, or any commercial or high-volume use, requires validation + a registered key (origin.rootz.global/dashboard). Unvalidated commercial use is unlicensed.","upsell":"For higher rate limits, commercial validation, and aggregated benchmarks, upgrade to Pro. See origin.rootz.global/pricing","tier_recommendation":"pro"}}