Bank of Utica
Utica, NY·RSSD 254317·FDIC 13397·bank:254317·CBLR opted in
- #54 of 127Total assets in New York
- 1offices
- 44employees
- Top 1%Return on assets in the U.S.
- Top 2%Efficiency in the U.S.
- Top 7%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Bank of Utica
5 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Return on assets rising faster than peersStrength: Earnings 2nd quarter6.51%peers 1.26%+525 bps
Bank of Utica's annualized return on assets rose 424 bps over the past year to 6.51%. Among 628 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 6.51% | 1.26% | +525 bps |
| 12-month change | ||
| +424 bps | +14 bps | +409 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Bank of Utica itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter26.49%peers 10.54%+16.0 pp
Bank of Utica's leverage ratio rose 2.2 percentage points over the past year to 26.49%. Among 629 similar banks, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 26.49% | 10.54% | +16.0 pp |
| 12-month change | ||
| +2.2 pp | +0.3 pp | +2.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Bank of Utica itself is left out of every peer median and percentile. How signals work
Deposit costs rising while the peer median fallsWorth a look: Funding 2nd quarter2.73%peers 1.93%+80 bps
Bank of Utica's cost of all deposits rose 11 bps over the past year to 2.73%. Among 625 similar banks, the median fell 18 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.73% | 1.93% | +80 bps |
| 12-month change | ||
| +11 bps | -18 bps | +30 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Bank of Utica itself is left out of every peer median and percentile. How signals work
Problem loans falling while the peer median risesStrength: Asset quality0.59%peers 0.48%+11 bps
Bank of Utica's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 71 bps over the past year to 0.59%. Among 624 similar banks, the median rose 2 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 0.59% | 0.48% | +11 bps |
| 12-month change | ||
| -71 bps | +2 bps | -73 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Bank of Utica itself is left out of every peer median and percentile. How signals work
1 more observation
- Fee and other noninterest income among the lowest of similar banksEarnings
Key facts
- Bank of Utica is a bank headquartered in Utica, New York. It reported $1.5 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.1 billion, up 3.0% from a year earlier, and loans totaled $154 million, up 20.3%.
- Its net interest margin was 2.03% and its annualized return on assets was 6.51% for the quarter.
- Its cost of all deposits was 2.73%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Bank of Utica's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Bank of Utica · Bank
- Federal Reserve RSSD
- 254317
- FDIC certificate
- 13397
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Bank of Utica itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $24M | — | |
| $14.51M | — | |
| $7.2M | — | |
| $7.31M | — | |
| $118K | — | |
| $2.48M | — | |
| -$340K | — | |
| -$326K | — | |
| 6.51% | 6.50%ROAQ · Quarter | |
| 2.03% | 2.02%NIMYQ · Quarter | |
| 33.36% | 33.36%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.