BANK OF UTICA

UTICA, NY | Large | Est. April 23, 1927, midnight | FDIC #13397 | RSSD #254317 | FDIC
Latest Report: 2025-12-31

BANK OF UTICA is aln large FDIC-insured commercial bank headquartered in UTICA, NY, established in April 23, 1927, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.0B. Profitability stands at 2.65% ROA and 10.59% ROE, with a net interest margin of 2.00%. The bank's CET1 capital ratio is 25.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.67% and a Texas Ratio of 0.26%. FDIC Certificate #13397.

Assets

$1.4B

Deposits

$1.0B

Loans

$142M

Equity

$359M

Profitability

Return on Assets (ROA) 2.65%
Return on Equity (ROE) 10.59%
Net Interest Margin (NIM) 2.00%
Yield on Assets 4.07%
Cost of Funds 2.85%

Asset Quality

NPL Ratio 0.67%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.26%
NPA Ratio 0.07%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 25.55%
Tier 1 Capital 25.55%
Total Capital Ratio 26.83%
Leverage Ratio 25.55%
Loan-to-Deposit 14.09%

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