The Upstate National Bank
Ogdensburg, NY
IDRSSD: 313009
Total Assets
$276.57M
Latest filing
Total Deposits
$190.56M
Latest filing
Net Interest Margin
2.05%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
021310465LISBON, NY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Upstate National Bank
729 Proctor Ave
Ogdensburg, NY 13669
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/27/1922FDIC Certificate 8596
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Upstate National Bank (Main) | 729 Proctor Ave | Ogdensburg, NY |
| PHILADELPHIA BRANCH | 77 Main Street | Philadelphia, NY |
| ROCHESTER BRANCH | 150 State St Fl 3 | Rochester, NY |
| ROCHESTER BRANCH | 1 W Main St | Rochester, NY |
Showing 3 of 3
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 | 01/30/2026 |
| CERT | 13748 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $276.57M |
| Total Deposits | $190.56M |
| Total Liabilities | $247.69M |
| Total Equity Capital | $28.89M |
| Net Income | $615.00k |
| Net Loans and Leases | $221.12M |
| Assets Per Employee ($Millions) | $11.06M |
| Bank Premises and Fixed Assets | $271.00k |
| Cash and Balances due from Depository Institutions | $24.76M |
| Deposits Held in Domestic Offices | $190.56M |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 8.62% |
| Net Interest Margin | 2.05% |
| Efficiency Ratio | 69.76% |
| Tier 1 Risk-Based Capital Ratio | 16.039% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.4% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.445% |
| Earning Assets to total Assets | 97.31% |
Income and Expense
| Total Interest Income | $3.70M |
| Total Noninterest Income | $476.00k |
| Total Interest Expense | $2.32M |
| Total Noninterest Expense | $1.29M |
| Net Interest Income | $1.38M |
| Pre-tax Net Operating Income | $836.00k |
| Provision for Credit Losses | $-275,000 |
| 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 | $56.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.12M |
| Total Liabilities and Capital | $276.57M |
Securities
| Securities | $23.75M |
| Available-for-sale debt securities | $23.74M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$276.57M as of the latest filing.
How much are The Upstate National Bank's total deposits?
$190.56M in total deposits.
Where is The Upstate National Bank located?
Ogdensburg, NY.
What is the Net Interest Margin?
2.05%.
How many domestic offices does it operate?
4.
When was it established?
09/27/1922.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$221.12M (latest filing).
What is the total interest income (latest filing)?
$3.70M.