ESOP · DOL Form 5500 · 2023

Pathfinder Bank ESOP

Data updated 2026-08-25

$5M
Total assets Small plan by assets
125
Participants Small participant base
46th
Percentile by assets National rank
$43,049
Avg per participant Low balance/head
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Official DOL plan name: Pathfinder Bank Employee Stock Ownership Plan · Sponsored by Pathfinder Bank · New York · Finance & Insurance

$5M in assets, 125 participants

Pathfinder Bank's Pathfinder Bank Employee Stock Ownership Plan reported $5M in total assets and 125 participants in its 2023 DOL Form 5500 filing, ranking in the 46th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #2,879 in Finance & Insurance (8,869 peers)

Coverage in New York

Pathfinder Bank Employee Stock Ownership Plan covers 125 participants in New York, about 16% of the average New York filer (state average ~798 per filing). Assets: $5M.

#2,879
in Finance & Insurance (8,869 peers)
-28.1%
assets change YoY

The plan reported a net loss of $2M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Pathfinder Bank Employee Stock Ownership Plan's mid-pack asset rank among Finance & Insurance and all filers

Pathfinder Bank Employee Stock Ownership Plan vs every filed plan by assets

End-of-year total assets · plan year 2023 · DOL Form 5500

$5,381,097 46th percentile higher than 46% of 127,068 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2023

Pathfinder Bank Employee Stock Ownership Plan among mid-size filed plans by headcount

Plan-year 2023 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Pathfinder Bank Employee Stock Ownership Plan sits mid-pack in the medium band (125 participants).

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • Pathfinder Bank Employee Stock Ownership Plan reported net income fell from $627K in the plan year 2022 filing to -$2M in the plan year 2023 filing.
  • Pathfinder Bank Employee Stock Ownership Plan end-of-year assets fell from $7M in the plan year 2022 filing to $5M in the plan year 2023 filing.
  • Pathfinder Bank Employee Stock Ownership Plan reported participants rose from 121 in the plan year 2022 filing to 125 in the plan year 2023 filing.

See the national 2022→2023 release diff →

EBSA filing schedule strip

Filing strip 150408130 · Pathfinder Bank PY 2023 · ESOP

Pathfinder Bank Employee Stock Ownership Plan · $5M · 125 · 46th

  • VS-ST $5M
  • BOY 125
  • SCH 46th
  • EBSA ESOP
  • PART near The Gadsden Corporation Employee Stock Ownership Plan
  • TYPE ind #2879

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with What is an ESOP? → · Plans in New York →

Pathfinder Bank Employee Stock Ownership Plan in the asset neighbourhood

Pathfinder Bank Employee Stock Ownership PlanPathfinder Bank Employee Sto…$5MThe Gadsden Corporation Employee Stock Ownership PlanThe Gadsden Corporation Empl…$5MHigh Country Lumber Employee Stock Ownership PlanHigh Country Lumber Employee…$5MHigh Country Lumber Employee Stock Ownership PlanHigh Country Lumber Employee…$5MWinter Park National Bank ESOPWinter Park National Bank ES…$5M
End-of-year total assets ($M) among Pathfinder Bank Employee Stock Ownership Plan and nearest nationwide ESOP peers. Source: DOL Form 5500 plan year 2023.

New York filing particulars

Total Assets (Beginning of Year)$7M
Net Assets (End of Year)$5M
Net Income-$2M
Employer EIN150408130
Plan Effective Date1995-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Pathfinder Bank)

Sponsor-wide plan assets over time

All Pathfinder Bank plans reported in each filing year

Latest sponsor-wide plan assets
$45M 8.41449980074544% vs 2022
2024 filing year
$40M$42M$44M$46M 202220232024 $41.8M $45.3M ▲ +8.4%
Year Plans Participants Total Assets
2022 3 331 $42M
2023 3 363 $44M
2024 3 436 $45M

Nearby ESOP Plans in New York

Peer ESOP plans, same state, same plan type, ranked by total assets.

Pathfinder Bank Employee Stock Ownership Plan vs. nearby ESOP plans in New York, assets vs. participants Scatter plot of 6 data points. -1000010002000300040005000 -20002004006008001000 Total assets ($M) Participants Pathfinder Bank Employee Stock Ownership Plan, Total assets ($M): 5.381097 · Participants: 125Pathfinder Bank Employee Stock Ownership PlanStewart's Shops Corp Employee Stock Ownership Plan, Total assets ($M): 876.57583 · Participants: 3439Stewart's Shops Corp Employee Stock Ownership PlanNorth Coast Holdings Employee Stock Ownership Plan, Total assets ($M): 406.002646 · Participants: 4467North Coast Holdings Employee Stock Ownership PlanGriffon Corporation Employee Stock Ownership Plan, Total assets ($M): 298.738533 · Participants: 3674Griffon Corporation Employee Stock Ownership PlanGreenman-Pedersen, Inc. Employee Stock Ownership Plan, Total assets ($M): 247.681611 · Participants: 1704Greenman-Pedersen, Inc. Employee Stock Ownership PlanH.C. Wainwright & Co. Employee Stock Ownership Plan, Total assets ($M): 241.736533 · Participants: 93H.C. Wainwright & Co. Employee Stock Ownership Plan
Pathfinder Bank Employee Stock Ownership Plan vs. nearby ESOP plans in New York, assets vs. participants
Compare Pathfinder Bank Employee Stock Ownership Plan side-by-side with 3 peers →

Pathfinder Bank Employee Stock Ownership Plan's out-of-state ESOP peers by assets and headcount

Outside New York, the nearest ESOP by assets is The Gadsden Corporation Employee Stock Ownership Plan in AL ($5M); by covered participants it is Wallner Expac Employer Stock Ownership Plan in CA (125 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (125 participants); asset peers above are excluded.

DOL Form 5500 plan year 2023. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Pathfinder Bank Employee Stock Ownership Plan assets move in 2023? ▼
Pathfinder Bank Employee Stock Ownership Plan declined sharply - down 28.1% during 2023, from $7M to $5M. Reported net income was -$2M.
How have Pathfinder Bank plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Pathfinder Bank's sponsor-wide assets grew 8.4%, from $42M to $45M.
Which ESOP plans are similar in size to Pathfinder Bank Employee Stock Ownership Plan? ▼
Among ESOP plans in other states, the closest by assets is The Gadsden Corporation Employee Stock Ownership Plan in AL ($5M, 68 participants).
Which ESOP plans cover a similar participant headcount to Pathfinder Bank Employee Stock Ownership Plan? ▼
Among ESOP plans in other states, the closest by covered participants is Wallner Expac Employer Stock Ownership Plan in CA (125 participants, $50M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 150408130.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.