Bank call report · Ogdensburg, NY
The Upstate National Bank Call Report
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The Upstate National Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 285 reported line items, schedule by schedule (756 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 313009 |
| FDIC certificate number | 13748 |
| Total assets | $294.8M |
Official Q2 2026 call report PDF (FFIEC) →
The Upstate National Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · The Upstate National Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $294.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $294.8M |
| Total Liabilities and Minority Interest | RCON2948 | $266.0M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $232.6M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $230.3M |
| Total Deposits | RCON2200 | $208.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $179.7M |
| Other Borrowed Money | RCON3190 | $56.0M |
| Interest-bearing Balances | RCON0071 | $34.4M |
| Surplus | RCON3839 | $30.2M |
| Deposits: Noninterest-bearing | RCON6631 | $29.2M |
| Total Equity Capital | RCON3210 | $28.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $28.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $22.3M |
| Other Assets | RCON2160 | $7.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.3M |
| Other Liabilities, Total | RCON2930 | $1.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $886K |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $461K |
| Common Stock | RCON3230 | $373K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $232K |
| Other Components of Equity Capital | RCONA130 | -$28K |
| Perpetual Preferred Stock and Related Surplus | RCON3838 | $19K |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $10K |
| Held-to-maturity Securities, Total | RCON1754 | $10K |
Schedule RI: Income Statement (31 items)
About Schedule RI · The Upstate National Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $7.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $6.8M |
| Total Interest Expense | RIAD4073 | $4.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.7M |
| Net Interest Income | RIAD4074 | $3.2M |
| Total Noninterest Expense | RIAD4093 | $3.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.8M |
| Salaries and Employee Benefits | RIAD4135 | $1.9M |
| Other Interest Expense | RIADGW44 | $1.2M |
| Other Noninterest Expense | RIAD4092 | $1.1M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $470K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $311K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $301K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $168K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $168K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $142K |
| Other Interest Income | RIAD4518 | $139K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $114K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $106K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $93K |
| Net Income (Loss) | RIAD4340 | $93K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $93K |
| Interest on Other Securities | RIAD4060 | $90K |
| Total Noninterest Income | RIAD4079 | $88K |
| Other Noninterest Income | RIADB497 | $82K |
| Applicable Income Taxes | RIAD4302 | $75K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $41K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $6K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 24 |
Schedule RC-B: Securities (29 items)
About Schedule RC-B · The Upstate National Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $4.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $3.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $25.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $8.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $8.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $5.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $4.7M |
| Pledged Securities | RCON0416 | $4.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $4.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $3.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $3.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $1.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $953K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $593K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $580K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $394K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $286K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $280K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $27K |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $10K |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $10K |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $10K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · The Upstate National Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $232.6M |
| Pledged Loans and Leases | RCONG378 | $112.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $99.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $68.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $61.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $57.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $36.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $35.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $34.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $31.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $23.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $15.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $15.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $14.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $13.3M |
| Commercial and Industrial Loans | RCON1766 | $8.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $7.4M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $6.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $2.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $804K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $100K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $75K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $46K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $10K |
| Other Loans | RCONJ464 | $5K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $28.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $3.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $847K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $748K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 70 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 42 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 34 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 11 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 10 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 8 |
Schedule RC-E: Deposit Liabilities (29 items)
About Schedule RC-E · The Upstate National Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $177.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $142.9M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $112.7M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $111.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $80.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $67.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $56.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $55.6M |
| Total Transaction Accounts | RCON2215 | $31.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $30.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $29.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $24.0M |
| Total Brokered Deposits | RCON2365 | $14.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $13.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $13.1M |
| Total reciprocal deposits | RCONJH83 | $10.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $9.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $8.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $7.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $5.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $3.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $3.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $2.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $737K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $588K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $522K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $169K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $692K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $259K |
| All Other Liabilities | RCON2938 | $171K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $10K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · The Upstate National Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $292.6M |
| Quarterly Average of Total Loans | RCON3360 | $231.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $143.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $118.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $101.8M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $56.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $30.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $22.9M |
| Mortgage-backed Securities | RCONB559 | $12.9M |
| All Other Securities | RCONB560 | $8.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $8.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $5.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $4.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $2.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $14K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · The Upstate National Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $8.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $4.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.2M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.0M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $2.8M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $2.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $67K |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $1K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · The Upstate National Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $46.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $10.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $10.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $67K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · The Upstate National Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $292.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $209.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $174.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $33.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $29.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $739K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,372 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 50 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 27 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The Upstate National Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $193.0M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · The Upstate National Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $292.6M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $290.7M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $193.0M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $31.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $30.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $29.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $29.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $29.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $28.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.6M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.3M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $1.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1.9M |
| Retained Earnings | RCOAKW00 | $886K |
| Additional Tier 1 Capital | RCOAP865 | $19K |
| Additional Tier 1 Capital Before Deductions | RCOAP863 | $19K |
| Additional Tier 1 Capital Instruments Plus Related Surplus | RCOAP860 | $19K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1653 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1534 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1533 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1019 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0853 |
Schedule RC-R, Part II: Risk-Weighted Assets (46 items)
About Schedule RC-R, Part II · The Upstate National Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $193.0M |
| Total Risk-weighted Assets | RCONG641 | $193.0M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $134.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $134.8M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $128.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $126.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $126.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $111.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $111.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $105.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $105.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $55.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $45.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $45.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $34.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $34.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $22.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $13.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $13.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $12.8M |
| Unconditionally Cancellable Commitments | RCONS540 | $11.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $10.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $9.9M |
| Total All Other Assets | RCOND981 | $7.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $6.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $6.4M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $5.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$3.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$3.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $3.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $2.7M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $1.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $1.5M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $877K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $631K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $283K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $249K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $67K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $67K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $67K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $57K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $57K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $46K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $26K |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $10K |
| Total Held-to-maturity Securities | RCOND961 | $10K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $28.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $28.9M |
| Total Equity Capital | RIAD3210 | $28.8M |
| Other Comprehensive Income | RIADB511 | -$137K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · The Upstate National Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · The Upstate National Bank changes in allowances for credit losses trends
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $11.3M |
The Upstate National Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Upstate National Bank call report?
The The Upstate National Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Upstate National Bank file?
The Upstate National Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Upstate National Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Upstate National Bank has Federal Reserve RSSD ID 313009 and FDIC certificate number 13748. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Upstate National Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Upstate National Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 13748) · FFIEC NIC profile (RSSD 313009)