The Upstate National Bank
Ogdensburg, New York, St. Lawrence County
$295M in total assets, the 2,535th largest of 4,309 US banks and 99th of 126 headquartered in New York.
- FDIC certificate
- 13748
- Established
- 1922
- Owned by
- No holding company
- Primary regulator
- OCC
- Website
- www.upstatebank.com
At a glance
Compared with 50 banks headquartered in New York with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $295M | 34% | $384M | |
| Loans | $233M | 40% | $256M | |
| Deposits | $209M | 32% | $277M | |
| Return on assets | 0.26% | 21% | 0.72% | |
| Net interest margin | 2.29% | 4% | 3.89% | |
| Efficiency ratio | 94.9% | 90% | 74.2% | |
| Equity to assets | 9.78% | 23% | 12.89% | |
| Loans to deposits | 111% | 86% | 88% |
Growth
Total assets grew 4.9% a year over the last 5 years and 11.0% a year over 10 years, without acquisitions.
Where they operate
3 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Monroe County, NY | $179M | 0.9% | 10 of 16 |
| Jefferson County, NY | $18M | 0.8% | 7 of 8 |
| St. Lawrence County, NY | $12M | 0.7% | 8 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 3 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 45% | 46% | |
| Multifamily | 29% | 12% | |
| Commercial real estate | 20% | 26% | |
| Business (C&I) | 3% | 9% | |
| Construction and land | 2% | 3% | |
| Consumer | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 75% | 30% | |
| Noninterest-bearing | 14% | 22% | |
| Other interest-bearing | 11% | 47% |
Brokered deposits are 6.8% of deposits (peers 3.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.75% |
| Net charge-offs, annualized | -0.00% | 0.01% |
| Reserves to loans | 0.98% | 1.04% |
| Leverage ratio | 10.19% | 12.85% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New York
Largest competitors in Monroe County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/upstate