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Bank of Utica

Utica, NY · Cert 13397

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Utica

Utica, NY · Cert 13397

State charter, non-member · FDIC · 1 branch

Q2 2026

$1.5BAssets
$154.3MLoans
$1.1BDeposits
$391.6MEquity
Loan mix
27%RE $39.4M68%C&I $98.6M4%Consumer $6.3MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $1.0B6%Noninterest $0.1BQ3 2024Q2 2026

Market Position · Utica-Rome, NY · 2026 SOD (annual) · 19.0% share · #1 of 9 inst. · $1.1B of $5.6B

Executive Summary

  • Earnings: ROA of 4.80%, up 321 bps year over year; NIM at 1.89%.
  • Asset quality: problem loans at 0.59% of loans (-71 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 26.49%, up 223 bps from a year ago.
  • Funding: loans stand at 14.37% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

4.80%1+321 bps YoY

Net Interest Margin (YTD, annualized)

1.89%+14 bps YoY

Efficiency Ratio (YTD, annualized)

35.02%-286 bps YoY

Tier 1 Leverage Ratio

26.49%+223 bps YoY

NIM

3.25%Q2 ’243.68%Q2 ’253.79%Q2 ’26+12%+8%

Non-interest income vs. expense

0.71%Q2 ’240.68%Q2 ’250.67%Q2 ’26-6%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.34%11.50%0.90%1.59%2.18%12.31%13.06%14.80%1+321 bps
Return on Equity9.41%6.10%3.78%6.67%9.09%9.48%11.97%18.69%+1,201 bps
Net Interest Margin1.58%1.54%1.66%1.75%1.75%1.79%1.86%1.89%+14 bps
Efficiency Ratio43.57%42.86%40.74%37.87%37.61%36.73%36.82%35.02%-286 bps
Non-Interest Burden0.67%0.65%0.65%0.63%0.63%0.64%0.66%0.64%0 bps
Growth
Asset Growth (YoY)3.89%7.26%8.58%7.76%5.97%1.18%2.04%6.68%-107 bps
Loan Growth (YoY)16.79%15.97%15.44%13.24%10.57%14.32%16.78%20.34%+710 bps
Deposit Growth (YoY)1.57%7.89%11.37%8.97%6.37%-1.64%-1.34%3.03%-594 bps
Asset Quality
Nonperforming Loans / Loans0.96%1.14%1.11%1.30%1.87%0.67%0.81%0.59%-71 bps
Net Charge-Offs / Loans-0.01%0.00%-0.02%-0.01%0.05%0.06%0.02%0.01%+2 bps
Allowance / Loans0.89%0.92%0.91%0.90%0.82%0.80%1.11%0.83%-7 bps
Allowance Coverage of NPLs0.9x0.8x0.8x0.7x0.4x1.2x1.4x1.4x+0.7x
Capital
Tier 1 Leverage Ratio25.41%24.06%24.01%24.27%24.87%25.55%25.79%26.49%+223 bps
Total Risk-Based Capital25.41%24.06%24.01%24.27%24.87%25.55%25.79%26.49%+223 bps
Equity / Assets24.93%23.86%23.58%24.06%24.59%25.55%25.56%25.96%+190 bps
Liquidity & Funding
Loans / Deposits12.31%12.12%11.86%12.30%12.79%14.09%14.04%14.37%+207 bps
Liquid Assets / Assets75.57%76.78%77.04%76.40%75.50%74.29%74.02%73.33%-307 bps
CRE / Total Capitaln/an/an/an/a9.82%10.19%10.15%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods. Year to date through Q2 2026, gains on securities were $34.8M before tax, about $25.4M after an assumed 27% tax, or 73% of net income. Excluding them, ROA would be much lower. Source: Call Report Schedule RI, items 6.a, 6.b and 8.b.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Utica

Utica, NY · Cert 13397 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

State charter, non-member · FDIC · 1 branch

Q2 2026

$1.5BAssets
$154.3MLoans
$1.1BDeposits
$391.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 3 of 258).
  • Widest gap: net interest margin trails 100% of banks $1B-$10B in assets operating in a single state (rank 257 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

4.63%

Rank 4 of 258

Net Interest Margin

1.89%

Rank 257 of 258

Efficiency Ratio

35.02%

Rank 6 of 257

Equity / Assets

25.96%

Rank 3 of 258

Non-interest income vs. expense

$0.5M$10.0MINCOMEEXPENSE
Unfavorable gap of $9.5M · efficiency ratio beats 98% of banks $1B-$10B in assets operating in a single state
Bank 35.02%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets4.63%0.93%1.23%1.54%Beats 98%4 / 258
Return on Equity17.83%9.26%11.84%14.74%Beats 91%22 / 258
Net Interest Margin1.89%3.16%3.49%3.88%Beats 0%257 / 258
Efficiency Ratio35.02%51.71%60.30%69.65%Beats 98%6 / 257
Asset Quality
Nonperforming Loans / Loans0.59%0.19%0.46%0.90%Beats 34%170 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 72%73 / 258
Capital
Tier 1 Capital Ratio26.49%11.41%12.98%15.12%Beats 96%10 / 258
Total Risk-Based Capital Ratio26.49%12.10%13.91%16.08%Beats 96%10 / 258
Equity / Assets25.96%9.09%10.24%11.72%Beats 99%3 / 258
Liquidity & Funding
Loans / Deposits14.37%73.24%86.34%95.95%1st pctl256 / 258
Loans / Assets10.23%63.01%72.27%78.40%0th pctl257 / 258
Brokered Deposits / Depositsn/aNot reported for this institution