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The Upstate National Bank
Ogdensburg, NY · FDIC Certificate #13748 · Chartered 09/2
Total assets
$294.81M
Total deposits
$208.83M
Total equity
$28.84M
Net loans
$230.28M
Branches (offices)
3
Net income (YTD)
$93.00K
Rank: #2,498 of 4,213 U.S. banks by assets · #91 of 115 in New York. Assets changed 12.4% and deposits 20.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.07% |
| Return on equity | 0.64% |
| Net interest margin (YTD) | 2.29% |
| Equity to assets | 9.78% |
| Tier 1 leverage ratio | 10.19% |
| Uninsured deposits (share of deposits) | 10.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 110.3% |
| Real estate loans (share of loans) | 97.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $224.55M | 97.5% | |
| Commercial & industrial | $7.98M | 3.5% | |
| Consumer / individual | $12.00K | 0.0% | |
| Construction & development | $4.17M | 1.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $262.79M | $209.34M | $1.88M | $20.86M |
| Jun 2023 | $307.94M | $211.41M | $181.00K | $21.39M |
| Jun 2024 | $286.78M | $185.52M | -$1.30M | $28.11M |
| Jun 2025 | $262.27M | $173.13M | -$236.00K | $27.74M |
| Jun 2026 | $294.81M | $208.83M | $93.00K | $28.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $208.83M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $208.83M.
Similar-sized banks
St. Landry Bank And Trust Company ($294.90M) · Crawford County Trust And Savings Bank ($294.48M)
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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