Bank of Utica: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Utica of Utica, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 6.50% | 1.46% | +5.04% | 99th top |
| ROAE | 25.21% | 12.71% | +12.50% | 96th top |
| Net Interest Margin | 2.08% | 3.85% | -1.77% | 2nd bottom |
| Efficiency Ratio | 32.41% | 57.42% | -25.01% | 97th top |
| PPNR / Avg Assets | 1.34% | 1.88% | -0.54% | 29th below |
| Yield on Earning Assets | 4.07% | 5.72% | -1.65% | 3rd bottom |
| Cost of Funds | 2.74% | 2.02% | +0.72% | 13th bottom |
| Net Interest Spread | 1.17% | 3.18% | -2.01% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.59% | 1.00% | -0.41% | 52nd above |
| NPA / Total Assets | 0.06% | 0.76% | -0.70% | 91st top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 70th above |
| ACL / Total Loans | 0.83% | 1.31% | -0.48% | 15th bottom |
| ACL / NPLs (Coverage) | 139.80% | 543.59% | -403.79% | 41st below |
| Texas Ratio | 0.23% | 7.39% | -7.16% | 94th top |
| Provision / NCO | 1862.50% | 617.74% | +1244.76% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 26.49% | 11.43% | +15.06% | 99th top |
| Equity / Assets | 25.96% | 11.33% | +14.63% | 99th top |
| TCE / Tangible Assets | 25.96% | 10.49% | +15.47% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 14.37% | 87.00% | -72.63% | 99th top |
| Core Deposit Ratio | 85.14% | 85.55% | -0.41% | 35th below |
| Uninsured Deposit Ratio | 34.53% | 33.12% | +1.41% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.68% | 9.68% | -3.00% | 60th above |
| Loan Growth (Y/Y) | 20.34% | 8.05% | +12.29% | 92nd top |
| Deposit Growth (Y/Y) | 3.03% | 7.87% | -4.84% | 37th below |
See Bank of Utica's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Utica, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Utica profile, how to read a UBPR, or how this data updates.