The Upstate National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Upstate National Bank of Ogdensburg, NY against its peer group of 2672 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 | 0.11% | 1.34% | -1.23% | 6th bottom |
| ROAE | 1.14% | 13.32% | -12.18% | 6th bottom |
| Net Interest Margin | 2.32% | 3.93% | -1.61% | 2nd bottom |
| Efficiency Ratio | 92.19% | 61.13% | +31.06% | 5th bottom |
| PPNR / Avg Assets | 0.19% | 1.68% | -1.49% | 4th bottom |
| Yield on Earning Assets | 5.53% | 5.67% | -0.14% | 47th below |
| Cost of Funds | 3.57% | 1.88% | +1.69% | 1st bottom |
| Net Interest Spread | 1.46% | 3.32% | -1.86% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 23rd bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.33% | 19.50% | -4.17% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.34% | 19.54% | -4.20% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.53% | 20.62% | -4.09% | 52nd above |
| Leverage Ratio | 10.19% | 12.14% | -1.95% | 35th below |
| Equity / Assets | 9.78% | 11.37% | -1.59% | 41st below |
| TCE / Tangible Assets | 9.78% | 11.09% | -1.31% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.36% | 80.63% | +30.73% | 3rd bottom |
| Core Deposit Ratio | 91.09% | 86.86% | +4.23% | 62nd above |
| Wholesale Funding Ratio | 19.00% | 5.03% | +13.97% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.41% | 6.85% | +5.56% | 88th top |
| Loan Growth (Y/Y) | 8.35% | 7.90% | +0.45% | 67th above |
| Deposit Growth (Y/Y) | 20.62% | 6.28% | +14.34% | 95th top |
See The Upstate National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Upstate National Bank, 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 The Upstate National Bank profile, how to read a UBPR, or how this data updates.