The Upstate National Bank
Ogdensburg, NY
IDRSSD: 313009
Total Assets
$276.99M
Latest filing
Total Deposits
$184.59M
Latest filing
Net Interest Margin
1.75%
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 09/27/1922 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13669 |
| State and County Number | 36089 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Ogdensburg-Massena, NY |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 4 |
| 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 | 01/24/1934 |
| Primary Insurance Agency | DIF |
| Website | www.upstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 13748 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $276.99M |
| Total Deposits | $184.59M |
| Total Liabilities | $248.81M |
| Total Equity Capital | $28.18M |
| Net Income | $31.00k |
| Net Loans and Leases | $217.50M |
| Assets Per Employee ($Millions) | $12.04M |
| Bank Premises and Fixed Assets | $297.00k |
| Cash and Balances due from Depository Institutions | $27.78M |
| Deposits Held in Domestic Offices | $184.59M |
Key Performance Ratios
| Return on Assets (ROA) | 0.05% |
| Return on Equity (ROE) | 0.44% |
| Net Interest Margin | 1.75% |
| Efficiency Ratio | 109.55% |
| Tier 1 Risk-Based Capital Ratio | 15.648% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.175% |
| Earning Assets to total Assets | 97.09% |
Income and Expense
| Total Interest Income | $3.40M |
| Total Noninterest Income | $91.00k |
| Total Interest Expense | $2.26M |
| Total Noninterest Expense | $1.35M |
| Net Interest Income | $1.15M |
| Pre-tax Net Operating Income | $57.00k |
| Provision for Credit Losses | $-175,000 |
| 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 | $63.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.22M |
| Total Liabilities and Capital | $276.99M |
Securities
| Securities | $24.09M |
| Available-for-sale debt securities | $24.08M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $10.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Upstate National Bank?
$276.99M as of the latest filing.
How much are The Upstate National Bank's total deposits?
$184.59M in total deposits.
Where is The Upstate National Bank located?
Ogdensburg, NY.
What is the Net Interest Margin?
1.75%.
How many domestic offices does it operate?
4.
When was it established?
09/27/1922.
What is the Return on Assets (ROA)?
0.05%.
How much are total loans and leases?
$217.50M (latest filing).
What is the total interest income (latest filing)?
$3.40M.