Bank of Utica
Utica, NY
IDRSSD: 254317
Total Assets
$1.43B
Latest filing
Total Deposits
$1.05B
Latest filing
Net Interest Margin
1.84%
Profitability
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 | 45 |
| 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 | 11/14/2025 |
| CERT | 13397 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.43B |
| Total Deposits | $1.05B |
| Total Liabilities | $1.08B |
| Total Equity Capital | $352.16M |
| Net Income | $11.95M |
| Net Loans and Leases | $132.97M |
| Assets Per Employee ($Millions) | $33.31M |
| Bank Premises and Fixed Assets | $14.68M |
| Cash and Balances due from Depository Institutions | $61.20M |
| Deposits Held in Domestic Offices | $1.05B |
Key Performance Ratios
| Return on Assets (ROA) | 3.36% |
| Return on Equity (ROE) | 13.81% |
| Net Interest Margin | 1.84% |
| Efficiency Ratio | 37.09% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 24.589% |
| Earning Assets to total Assets | 97.35% |
Income and Expense
| Total Interest Income | $13.21M |
| Total Noninterest Income | $153.00k |
| Total Interest Expense | $6.82M |
| Total Noninterest Expense | $2.42M |
| Net Interest Income | $6.38M |
| Pre-tax Net Operating Income | $3.78M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $31.98M |
| Total Liabilities and Capital | $1.43B |
Securities
| Securities | $1.20B |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.02B |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Utica?
$1.43B as of the latest filing.
How much are Bank of Utica's total deposits?
$1.05B in total deposits.
Where is Bank of Utica located?
Utica, NY.
What is the Net Interest Margin?
1.84%.
How many domestic offices does it operate?
1.
When was it established?
04/23/1927.
What is the Return on Assets (ROA)?
3.36%.
How much are total loans and leases?
$132.97M (latest filing).
What is the total interest income (latest filing)?
$13.21M.