Bank of Utica: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Commercial and industrial climbed 2.62 percentage points in Q2 2026, from 67.41% to 70.03%. It was the largest change from Q1 2026 among the key lines here. Bank of Utica has the 6th lowest loan-to-deposit ratio of the 105 banks headquartered in New York, at 14.37% as of Q2 2026. Against a median of 88.20% for banks in the $1B-10B asset tier, Bank of Utica reported 14.37% on loan-to-deposit ratio in Q2 2026, 73.83 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $154.3M |
| Net loans and leases | $153.1M |
| Loans held for sale | $0 |
| Loans to total assets | 10.23% |
| Loan-to-deposit ratio | 14.37% |
| Net loans to equity capital | 0.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.95% |
| Multifamily (5+ residential) | 2.79% |
| Commercial and industrial | 70.03% |
| Consumer | 3.76% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.78% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.81% |
| Interest income on loans | $2.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $103.8M | $970.0M | 24.50% | 63.39% | 4.28% |
| Q4 2023 | $107.3M | $952.0M | 23.38% | 64.43% | 5.05% |
| Q1 2024 | $108.5M | $948.2M | 21.78% | 66.23% | 4.80% |
| Q2 2024 | $113.3M | $956.6M | 20.84% | 66.06% | 4.90% |
| Q3 2024 | $121.3M | $985.2M | 20.87% | 65.75% | 5.34% |
| Q4 2024 | $124.5M | $1.03B | 21.62% | 64.59% | 5.55% |
| Q1 2025 | $125.3M | $1.06B | 22.59% | 63.96% | 5.60% |
| Q2 2025 | $128.2M | $1.04B | 22.37% | 64.88% | 5.04% |
| Q3 2025 | $134.1M | $1.05B | 22.21% | 64.99% | 4.97% |
| Q4 2025 | $142.3M | $1.01B | 22.47% | 66.36% | 5.00% |
| Q1 2026 | $146.3M | $1.04B | 22.63% | 67.41% | 4.34% |
| Q2 2026 | $154.3M | $1.07B | 20.95% | 70.03% | 3.76% |
Bank of Utica loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Utica, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Utica profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13397) · FFIEC NIC profile (RSSD 254317)