Branch Network
The Upstate National Bank Locations & Branches Ogdensburg, New York
BankRegReports is independent of The Upstate National Bank and never asks for online banking logins or passwords.
The Upstate National Bank operates 3 branches from its headquarters in Ogdensburg, NY, .
The Upstate National Bank branch network
All 3 branches are in NEW YORK, across 3 cities. Its largest office by deposits is the Rochester Branch office in Rochester, NY, with $178.7M (85.6% of its branch deposits). It had the same number of branches on June 30, 2025.
The Upstate National Bank at a glance
Its CET1 capital ratio was 15.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $294.8M
- CET1 ratio, Q2 2026
- 15.33%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1922
Full financial profile · Is The Upstate National Bank safe? · The Upstate National Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Ogdensburg, NY (1 branch) | 5 of 5 | 4.4% | $12.2M |
| State: NY (3 branches) | 131 of 176 | <0.1% | $208.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in New York.
Share by county and metro area
The Upstate National Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Monroe, NY (1 branch) | 10 of 16 | 0.9% | $178.7M | $20.34B |
| Jefferson, NY (1 branch) | 7 of 8 | 0.8% | $17.9M | $2.15B |
| St. Lawrence, NY (1 branch) | 8 of 9 | 0.7% | $12.2M | $1.78B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Rochester, NY (1 branch) | 13 of 19 | 0.6% | $178.7M | $27.66B |
| Watertown-Fort Drum, NY (1 branch) | 7 of 8 | 0.8% | $17.9M | $2.15B |
| Ogdensburg-Massena, NY (1 branch) | 8 of 9 | 0.7% | $12.2M | $1.78B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 13748) · FFIEC NIC profile (RSSD 313009)