Bank of Utica
Bank of Utica is a community bank chartered in 1927, based in Utica, NY. On its most recent Q1 2026 call report, Bank of Utica reported $1.4B in total assets against $1.0B in deposits. Returns are notably above industry norms: 3.04% ROA, 11.97% ROE, and 1.96% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 25.79% exceeds the 9% CBLR threshold. Credit metrics are in line with industry norms — 0.81% NPL ratio. The bank operates from a single office.
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
- Fed District
- 2
- Established
- April 23, 1927
- Branches
- 1 domestic
- Employees (FTE)
- 44
- FDIC Cert
- 13397
- Fed RSSD
- 254317
- Website
- http://www.bankofutica.com →
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Bank of Utica rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
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Frequently asked about Bank of Utica
What are Bank of Utica's total assets?
As of the Q1 2026 filing, Bank of Utica reported total assets of $1.45 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Utica headquartered?
Bank of Utica is headquartered in UTICA, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Utica founded?
Bank of Utica was established in 1927, per the FDIC institution directory.
Is Bank of Utica FDIC-insured?
Yes. Bank of Utica 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Bank of Utica operate?
Bank of Utica operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Bank of Utica's Texas Ratio?
Bank of Utica's Texas Ratio is 0.32% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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