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Bank Of Utica
Utica, NY · FDIC Certificate #13397 · Chartered 04/2
Total assets
$1.51B
Total deposits
$1.07B
Total equity
$391.60M
Net loans
$153.05M
Branches (offices)
1
Net income (YTD)
$34.91M
Rank: #738 of 4,213 U.S. banks by assets · #48 of 115 in New York. Assets changed 6.7% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 4.80% |
| Return on equity | 18.69% |
| Net interest margin (YTD) | 1.97% |
| Equity to assets | 25.96% |
| Tier 1 leverage ratio | 26.49% |
| Uninsured deposits (share of deposits) | 34.5% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 14.3% |
| Real estate loans (share of loans) | 25.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $38.39M | 25.1% | |
| Commercial & industrial | $108.08M | 70.6% | |
| Consumer / individual | $5.80M | 3.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.53B | $1.22B | -$3.17M | $290.51M |
| Jun 2023 | $1.36B | $1.03B | $6.67M | $306.18M |
| Jun 2024 | $1.31B | $956.61M | $12.87M | $326.62M |
| Jun 2025 | $1.41B | $1.04B | $11.19M | $340.21M |
| Jun 2026 | $1.51B | $1.07B | $34.91M | $391.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.07B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.07B.
Similar-sized banks
Providence Bank ($1.51B) · Bath Savings Institution ($1.50B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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