Bank of Utica
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Data as of · sourced from FFIEC call reports. How we update
Bank of Utica is an FDIC-insured commercial bank headquartered in Utica, NY, established in 1927 (FDIC certificate 13397), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.51B, up 6.7% from Q2 2025, the 42nd largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 26.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13397
- Headquarters
- Utica, NY
- Established
- 1927
- Total assets, Q2 2026
- $1.51B
- Assets vs Q2 2025
- +6.7%
- Tier 1 leverage ratio, Q2 2026
- 26.49%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 021311383
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Utica call report
- Asset rank in state
- 42nd of 105 in New York
Bank of Utica, based in Utica, New York, reported $1.5 billion in assets at June 30, 2026, up 6.7% from a year earlier. It keeps 2.08 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it funds 26.49% of its assets with Tier 1 capital, 2.5 times the median of 10.49% for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $25 million on paper in the quarter, out of $30 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Loans are outrunning deposits: over the year loans rose 20.3% and deposits rose 3.0%. Funding is the softer spot: it pays an average of 2.74% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Bank of Utica reported a return on assets of 6.50%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Utica is the 42nd largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.2% to $1.51B, loans rose 5.5% and deposits rose 3.1%. Commercial and industrial loans made up 70.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 14.1%. Its one office in the FDIC Summary of Deposits is in Utica, NY. By the capital ratios in its Q2 2026 call report, Bank of Utica meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 222 Genesee St, Utica, NY 13502
- County
- Oneida
- Metro Area
- Utica-Rome, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 23, 1927
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $1.48B
- Average total loans
- $153.3M
- Average interest-bearing deposits
- $984.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13397
- Fed RSSD
- 254317
- Website
- http://www.bankofutica.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Utica reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Utica's total assets moved between a low of $1.29B (Q4 2023) and a high of $1.51B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.51B total assets against $1.41B; $1.12B total liabilities against $1.07B.
$153.1M net loans and leases against $127.1M; $1.07B total deposits against $1.04B.
$1.29B securities against $1.19B; $43.5M cash and balances due against $66.0M.
$14.5M total interest income against $13.3M; $7.2M total interest expense against $6.8M.
$7.3M net interest income against $6.5M.
$118K total noninterest income against $147K; $2.5M total noninterest expense against $2.3M.
-$326K provision for credit losses against $0.
$24.0M net income against $8.0M.
6.50% return on assets against 2.29%; 2.08% net interest margin against 1.93%.
26.49% tier 1 leverage ratio against 24.27%.
Inside the full Bank of Utica terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Utica rankings
Its closest position to the top of a national ranking is 730 of 4,196, for total assets; its furthest is 3,133 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.90% (Q4 2024) to 6.50% (Q2 2026) and its net interest margin ran from 1.66% (Q4 2024) to 2.08% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.49% | 6.50% | 0.59% | 0.23% | 2.08% |
| Q1 2026 | 25.79% | 3.04% | 0.81% | 0.31% | 1.96% |
| Q4 2025 | 25.55% | 2.68% | 0.67% | 0.25% | 1.95% |
| Q3 2025 | 24.87% | 3.37% | 1.87% | 0.70% | 1.89% |
| Q2 2025 | 24.27% | 2.29% | 1.30% | 0.47% | 1.93% |
| Q1 2025 | 24.01% | 0.90% | 1.11% | 0.40% | 1.74% |
| Q4 2024 | 24.06% | -0.90% | 1.14% | 0.41% | 1.66% |
| Q3 2024 | 25.41% | 3.09% | 0.96% | 0.32% | 1.73% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Utica (main office) | Utica , NY | 13502 | $1.07B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 79 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $225K approved, $225K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Utica
What are Bank of Utica's total assets?
As of the Q2 2026 filing, Bank of Utica reported total assets of $1.51 billion in its FFIEC call report.
Where is Bank of Utica headquartered?
It is headquartered in Utica, NY, United States.
When was Bank of Utica founded?
It was established in 1927, per the FDIC institution directory.
Is Bank of Utica FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Utica?
Bank of Utica's primary federal regulator is the FDIC.
How many branches does Bank of Utica operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Utica's Texas Ratio?
Its Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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