Bank of Utica
Utica, NY
IDRSSD: 254317
Total Assets
$1.41B
Latest filing
Total Deposits
$1.01B
Latest filing
Net Interest Margin
1.88%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
021311383UTICA, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Utica
222 Genesee St
Utica, NY 13502
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/23/1927FDIC Certificate 8439
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Bank of Utica (Main) | 222 Genesee St | Utica, NY | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/23/1927 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13502 |
| State and County Number | 36065 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Utica-Rome, NY |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankofutica.com |
| Data Updated | 01/30/2026 |
| CERT | 13397 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.41B |
| Total Deposits | $1.01B |
| Total Liabilities | $1.05B |
| Total Equity Capital | $359.13M |
| Net Income | $9.41M |
| Net Loans and Leases | $141.18M |
| Assets Per Employee ($Millions) | $29.9M |
| Bank Premises and Fixed Assets | $14.58M |
| Cash and Balances due from Depository Institutions | $46.88M |
| Deposits Held in Domestic Offices | $1.01B |
Key Performance Ratios
| Return on Assets (ROA) | 2.65% |
| Return on Equity (ROE) | 10.59% |
| Net Interest Margin | 1.88% |
| Efficiency Ratio | 34.12% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 25.554% |
| Earning Assets to total Assets | 97.74% |
Income and Expense
| Total Interest Income | $13.29M |
| Total Noninterest Income | $-116,000 |
| Total Interest Expense | $6.77M |
| Total Noninterest Expense | $2.18M |
| Net Interest Income | $6.52M |
| Pre-tax Net Operating Income | $3.48M |
| Provision for Credit Losses | $198.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $35.99M |
| Total Liabilities and Capital | $1.41B |
Securities
| Securities | $1.19B |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.00B |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Utica?
$1.41B as of the latest filing.
How much are Bank of Utica's total deposits?
$1.01B in total deposits.
Where is Bank of Utica located?
Utica, NY.
What is the Net Interest Margin?
1.88%.
How many domestic offices does it operate?
1.
When was it established?
04/23/1927.
What is the Return on Assets (ROA)?
2.65%.
How much are total loans and leases?
$141.18M (latest filing).
What is the total interest income (latest filing)?
$13.29M.