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
Unfavorable gap of $9.5M · efficiency ratio beats 98% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 4.63% | 0.93% | 1.23% | 1.54% | Beats 98% | 4 / 258 | |
| Return on Equity | 17.83% | 9.26% | 11.84% | 14.74% | Beats 91% | 22 / 258 | |
| Net Interest Margin | 1.89% | 3.16% | 3.49% | 3.88% | Beats 0% | 257 / 258 | |
| Efficiency Ratio | 35.02% | 51.71% | 60.30% | 69.65% | Beats 98% | 6 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.19% | 0.46% | 0.90% | Beats 34% | 170 / 258 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 72% | 73 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 26.49% | 11.41% | 12.98% | 15.12% | Beats 96% | 10 / 258 | |
| Total Risk-Based Capital Ratio | 26.49% | 12.10% | 13.91% | 16.08% | Beats 96% | 10 / 258 | |
| Equity / Assets | 25.96% | 9.09% | 10.24% | 11.72% | Beats 99% | 3 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 14.37% | 73.24% | 86.34% | 95.95% | 1st pctl | 256 / 258 | |
| Loans / Assets | 10.23% | 63.01% | 72.27% | 78.40% | 0th pctl | 257 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |