Bank of Utica: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on assets: 3.45 percentage points higher than in Q1 2026, at 6.50%. As of Q2 2026, Bank of Utica ranks first in New York on return on assets among 105 banks, at 6.50%. Against a median of 1.28% for banks in the $1B-10B asset tier, Bank of Utica reported 6.50% on return on assets in Q2 2026, 5.22 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 26.49% |
| Equity capital to assets | 25.96% |
| Tangible equity to tangible assets | 25.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.23% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 139.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 6.50% |
| Return on equity | 25.21% |
| Net interest margin | 2.08% |
| Efficiency ratio | 32.41% |
| Yield on earning assets | 4.07% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 14.37% |
| Core deposits to total deposits | 85.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 71.19% |
| Securities to assets | 85.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 23.33% | 0.83% | 1.80% | 1.83% | -0.06% |
| Q4 2023 | 24.54% | 2.94% | 1.81% | 0.16% | 0.78% |
| Q1 2024 | 25.47% | 4.48% | 1.61% | 0.15% | -0.08% |
| Q2 2024 | 24.91% | -0.51% | 1.66% | 0.14% | -0.02% |
| Q3 2024 | 25.41% | 3.09% | 1.73% | 0.34% | 0.06% |
| Q4 2024 | 24.06% | -0.90% | 1.66% | 0.38% | 0.05% |
| Q1 2025 | 24.01% | 0.90% | 1.74% | 0.13% | -0.02% |
| Q2 2025 | 24.27% | 2.29% | 1.93% | 0.18% | -0.01% |
| Q3 2025 | 24.87% | 3.37% | 1.89% | 0.72% | 0.17% |
| Q4 2025 | 25.55% | 2.68% | 1.95% | 0.67% | 0.10% |
| Q1 2026 | 25.79% | 3.04% | 1.96% | 0.81% | 0.02% |
| Q2 2026 | 26.49% | 6.50% | 2.08% | 0.59% | 0.00% |
Bank of Utica vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Utica, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)