The Upstate National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Upstate National Bank is an FDIC-insured commercial bank headquartered in Ogdensburg, NY, established in 1922 (FDIC certificate 13748), and it is supervised by the OCC. At Q2 2026 it reported total assets of $294.8M, up 12.4% from Q2 2025, the 84th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 15.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 13748
- Headquarters
- Ogdensburg, NY
- Established
- 1922
- Total assets, Q2 2026
- $294.8M
- Assets vs Q2 2025
- +12.4%
- CET1 ratio, Q2 2026
- 15.33%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 021310465
- Latest call report
- Q2 2026, FFIEC 051 · The Upstate National Bank call report
- Asset rank in state
- 84th of 105 in New York
The Upstate National Bank spends more to run itself than most banks of its size. Its balance sheet stood at $295 million at June 30, 2026, up 12.4% from a year earlier; it is based in Ogdensburg, New York. It earns about $0.11 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 92 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $82,000 was 59% below a year earlier. Over the same year, loans grew 8.3% and deposits grew 20.6%. Its margin is thin by comparison: it keeps 2.32 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, The Upstate National Bank reported a CET1 capital ratio of 15.33%, a return on assets of 0.11%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, The Upstate National Bank is the 84th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.4% to $294.8M, loans rose 2.6% and deposits rose 4.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.4% of total loans, ahead of multifamily loans at 29.4%. The FDIC Summary of Deposits lists 3 offices for it, in Rochester, NY, Philadelphia, NY and Ogdensburg, NY; its Rochester office books 86% of its branch deposits. On its Q2 2026 call report, The Upstate National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 729 Proctor Ave, Ogdensburg, NY 13669
- County
- St. Lawrence
- Metro Area
- Massena-Ogdensburg, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 27, 1922
- Former names
- The Upstate National Bank (1998)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $208.8M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $292.6M
- Average total loans
- $231.6M
- Average interest-bearing deposits
- $174.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 24, 1934
- FDIC Cert
- 13748
- Fed RSSD
- 313009
- Website
- www.upstatebank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Upstate National Bank's total assets moved between a low of $262.3M (Q2 2025) and a high of $326.4M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$294.8M total assets against $262.3M; $266.0M total liabilities against $234.5M.
$230.3M net loans and leases against $212.0M; $208.8M total deposits against $173.1M.
$22.4M securities against $24.0M; $34.9M cash and balances due against $18.4M.
$4.0M total interest income against $3.6M; $2.3M total interest expense against $2.2M.
$1.7M net interest income against $1.3M.
$50K total noninterest income against $320K; $1.6M total noninterest expense against $1.6M.
$0 provision for credit losses against -$210K.
$82K net income against $202K.
0.11% return on assets against 0.30%; 2.32% net interest margin against 1.99%.
15.33% CET1 capital ratio against 15.93%; 10.19% tier 1 leverage ratio against 10.78%.
Inside the full The Upstate National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The Upstate National Bank rankings
Its closest position to the top of a national ranking is 811 of 2,134, for CET1 ratio; its furthest is 3,499 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.35% (Q3 2024) to 0.88% (Q4 2025) and its net interest margin ran from 1.31% (Q3 2024) to 2.32% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.33% | 0.11% | 0.00% | 0.00% | 2.32% |
| Q1 2026 | 15.80% | 0.02% | 0.00% | 0.00% | 2.16% |
| Q4 2025 | 16.04% | 0.88% | 0.00% | 0.00% | 1.99% |
| Q3 2025 | 15.65% | 0.05% | 0.00% | 0.00% | 1.72% |
| Q2 2025 | 15.93% | 0.30% | 0.00% | 0.00% | 1.99% |
| Q1 2025 | 14.85% | -0.66% | 0.00% | 0.00% | 1.45% |
| Q4 2024 | 14.98% | -0.90% | 0.03% | 0.20% | 1.31% |
| Q3 2024 | 15.13% | -1.35% | 0.09% | 0.68% | 1.31% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rochester Branch | Rochester , NY | 14614 | $178.7M |
| Philadelphia Branch | Philadelphia , NY | 13673 | $17.9M |
| The Upstate National Bank | Ogdensburg , NY | 13669 | $12.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 7 against the institution (OCC); 2 against individuals associated with it
- November 16, 2023, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Upstate National Bank
- February 12, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Upstate National Bank
- June 24, 2008, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Upstate National Bank
- November 4, 2004, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Upstate National Bank
- March 22, 2002, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Upstate National Bank
- Period: Most recent institution action November 16, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 131 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $327K approved, $109K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Upstate National Bank
What are The Upstate National Bank's total assets?
As of the Q2 2026 filing, The Upstate National Bank reported total assets of $294.8 million in its FFIEC call report.
Where is The Upstate National Bank headquartered?
It is headquartered in Ogdensburg, NY, United States.
When was The Upstate National Bank founded?
It was established in 1922, per the FDIC institution directory.
Is The Upstate National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13748). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Upstate National Bank?
The Upstate National Bank's primary federal regulator is the OCC.
What is The Upstate National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Upstate National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Upstate National Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Upstate National Bank previously called?
The charter now named The Upstate National Bank has also operated as The Upstate National Bank (1998), per FDIC structure-change records.
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