Bank call report · Utica, NY
Bank of Utica Call Report
BankRegReports is independent of Bank of Utica and never asks for online banking logins or passwords.
Bank of Utica filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 230 reported line items, schedule by schedule (474 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 254317 |
| FDIC certificate number | 13397 |
| Total assets | $1.51B |
Official Q2 2026 call report PDF (FFIEC) →
Bank of Utica call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Bank of Utica balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.51B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.51B |
| Total Liabilities and Minority Interest | RCON2948 | $1.12B |
| Total Deposits | RCON2200 | $1.07B |
| Held-to-maturity Securities, Total | RCON1754 | $1.07B |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.06B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.01B |
| Total Equity Capital | RCON3210 | $391.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $391.6M |
| Surplus | RCON3839 | $301.6M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $218.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $154.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $153.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $85.0M |
| Deposits: Noninterest-bearing | RCON6631 | $67.9M |
| Other Liabilities, Total | RCON2930 | $43.0M |
| Interest-bearing Balances | RCON0071 | $39.4M |
| Other Assets | RCON2160 | $14.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $14.3M |
| Common Stock | RCON3230 | $5.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.3M |
Schedule RI: Income Statement (34 items)
About Schedule RI · Bank of Utica income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $43.8M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $34.9M |
| Net Income (Loss) | RIAD4340 | $34.9M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $34.9M |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $34.7M |
| Total Interest Income | RIAD4107 | $28.0M |
| Interest on Other Securities | RIAD4060 | $22.8M |
| Total Interest Expense | RIAD4073 | $14.1M |
| Net Interest Income | RIAD4074 | $14.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $9.1M |
| Applicable Income Taxes | RIAD4302 | $8.9M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $8.2M |
| Total Noninterest Expense | RIAD4093 | $5.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.8M |
| Salaries and Employee Benefits | RIAD4135 | $2.6M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.3M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $819K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $675K |
| Total Noninterest Income | RIAD4079 | $254K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $188K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $184K |
| Other Noninterest Income | RIADB497 | $168K |
| Provision for Loan and Lease Losses | RIAD4230 | $149K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $105K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $86K |
| Realized Gains (Losses) on Held-to-maturity Securities | RIAD3521 | $84K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $58K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $48K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 44 |
Schedule RC-B: Securities (21 items)
About Schedule RC-B · Bank of Utica securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $1.06B |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $658.7M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $656.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $403.7M |
| Pledged Securities | RCON0416 | $391.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $353.2M |
| Amortized Cost of Held-to-maturity Other Foreign Debt Securities | RCON1742 | $296.1M |
| Fair Value of Held-to-maturity Other Foreign Debt Securities | RCON1743 | $294.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $171.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $133.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $132.8M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $107.0M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $104.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $38.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $5.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK142 | $5.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK143 | $4.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $44K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $43K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $39K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $4K |
Schedule RC-C, Part I: Loans and Leases (20 items)
About Schedule RC-C, Part I · Bank of Utica loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $154.3M |
| Commercial and Industrial Loans | RCON1766 | $108.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $90.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $30.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $23.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $21.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $18.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $14.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $10.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $4.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $4.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.1M |
| Other Loans | RCONJ464 | $2.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $1.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $174K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $81K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $12K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $8K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $59.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $13.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $5.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $813K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 125 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 95 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 39 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 35 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 30 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 18 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Bank of Utica deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $880.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $833.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $240.3M |
| Total Transaction Accounts | RCON2215 | $194.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $189.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $184.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $179.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $176.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $159.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $157.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $136.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $125.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $103.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $77.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $67.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $66.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $56.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $52.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $51.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $46.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $46.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $37.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $21.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $15.5M |
Schedule RC-F: Other Assets (3 items)
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Liabilities | RCON3049 | $37.2M |
| All Other Liabilities | RCON2938 | $3.3M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $2.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $205K |
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · Bank of Utica quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.48B |
| All Other Securities | RCONB560 | $1.25B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $416.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $293.3M |
| Quarterly Average of Total Loans | RCON3360 | $153.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $149.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $126.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $108.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $40.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $37.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $6.2M |
| Mortgage-backed Securities | RCONB559 | $5.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $1.8M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Bank of Utica derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $29.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $897K |
| Performance Standby Letters of Credit | RCON3821 | $49K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Bank of Utica memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $47.1M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $429K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · Bank of Utica past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.0M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $917K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $740K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $534K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $309K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $141K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $100K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $73K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $27K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Bank of Utica other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.48B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.08B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $596.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $385.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $374.1M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $370.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $81.9M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $23.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 22,422 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 3,810 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 597 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 54 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (17 items)
About Schedule RC-R, Part I · Bank of Utica regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $1.51B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.48B |
| Average total consolidated assets | RCOAKW03 | $1.48B |
| Common Equity Tier 1 Capital | RCOAP859 | $391.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $391.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $391.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $391.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $306.6M |
| Retained Earnings | RCOAKW00 | $85.0M |
| Unconditionally Cancellable Commitments | RCOAS540 | $30.9M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $2.8M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $1.8M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $946K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.2649 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0018 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $391.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $359.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $359.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.4M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Bank of Utica charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $14K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $7K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $7K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $6K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $3K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $2K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (6 items)
About Schedule RI-B, Part II · Bank of Utica changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $1.8M |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $1.8M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.3M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.1M |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | $35K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $14K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $154.3M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $110.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $36.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $5.8M |
| Held to Maturity Securities, Other debt securities | RCONJJ24 | $1.8M |
| Held to Maturity Securities, Total | RCONJJ25 | $1.8M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $1.8M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $1.3M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.0M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $182K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $59K |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $16K |
Bank of Utica call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bank of Utica call report?
The Bank of Utica call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bank of Utica file?
Bank of Utica files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bank of Utica call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bank of Utica has Federal Reserve RSSD ID 254317 and FDIC certificate number 13397. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bank of Utica file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bank of Utica financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 13397) · FFIEC NIC profile (RSSD 254317)