UPSTATE NATIONAL BANK, THE

OGDENSBURG, NY | Small | Est. Sept. 27, 1922, midnight | FDIC #13748 | RSSD #313009 | OCC
Latest Report: 2025-12-31

UPSTATE NATIONAL BANK, THE is asn small FDIC-insured commercial bank headquartered in OGDENSBURG, NY, established in Sept. 27, 1922, midnight. As of 2025-12-31, the bank reported total assets of $277M and total deposits of $191M. Profitability stands at 0.89% ROA and 8.62% ROE, with a net interest margin of 2.17%. The bank's CET1 capital ratio is 16.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #13748.

Assets

$277M

Deposits

$191M

Loans

$223M

Equity

$29M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 8.62%
Net Interest Margin (NIM) 2.17%
Yield on Assets 5.81%
Cost of Funds 3.76%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 16.04%
Tier 1 Capital 16.05%
Total Capital Ratio 17.29%
Leverage Ratio 10.65%
Loan-to-Deposit 117.23%

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