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Upstate National Bank, The

Ogdensburg, NY · Cert 13748

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

57

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

Upstate National Bank, The

Ogdensburg, NY · Cert 13748

National charter · OCC · 3 branches

Q2 2026

$294.8MAssets
$232.6MLoans
$208.8MDeposits
$28.8MEquity
Loan mix
96%RE $218.1M4%C&I $8.5M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $179.7M14%Noninterest $29.2MQ2 2025Q2 2026

NIM

5.25%Q2 ’245.10%Q2 ’255.27%Q2 ’26+27%+27%

Non-interest income vs. expense

2.47%Q2 ’242.33%Q2 ’252.12%Q2 ’26-13%0%

Market Position · Rochester, NY · 2026 SOD (annual) · 0.7% share · #13 of 19 inst. · $0.2B of $27.0B

0.9% Monroe
0.8% Jefferson
0.7% St. Lawrence

Executive Summary

  • Earnings: ROA of 0.07%, up 24 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.19%, down 59 bps from a year ago.
  • Funding: loans stand at 111.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.07%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.19%+46 bps YoY

Efficiency Ratio (YTD, annualized)

94.87%-2,307 bps YoY

Tier 1 Leverage Ratio

10.19%-59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.18%-0.10%0.15%0.06%0.07%+24 bps
Return on Equity-1.75%-1.00%1.49%0.58%0.64%+240 bps
Net Interest Margin1.73%1.72%1.74%1.98%2.19%+46 bps
Efficiency Ratio117.93%115.25%100.51%94.66%94.87%-2,307 bps
Non-Interest Burden2.07%2.00%1.74%1.86%2.06%0 bps
Growth
Asset Growth (YoY)-8.55%-3.21%4.97%6.13%12.41%+2,095 bps
Loan Growth (YoY)-8.36%-1.75%1.60%1.82%8.35%+1,670 bps
Deposit Growth (YoY)-6.68%-1.44%11.73%13.50%20.62%+2,730 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%-0.04%-0.03%0.00%0.00%+6 bps
Allowance / Loans1.23%1.13%1.02%1.00%0.98%-26 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.78%10.76%10.65%10.71%10.19%-59 bps
Total Risk-Based Capital17.19%16.91%17.29%10.71%16.53%-67 bps
Equity / Assets10.58%10.17%10.45%10.11%9.78%-79 bps
Liquidity & Funding
Loans / Deposits123.97%119.17%117.23%113.66%111.36%-1,261 bps
Liquid Assets / Assets6.86%9.88%8.77%10.62%11.68%+482 bps
CRE / Total Capitaln/a385%382%389%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.

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

Upstate National Bank, The

Ogdensburg, NY · Cert 13748 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

National charter · OCC · 3 branches

Q2 2026

$294.8MAssets
$232.6MLoans
$208.8MDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets operating in a single state (rank 714 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.06%

Rank 717 of 746

Net Interest Margin

2.19%

Rank 718 of 746

Efficiency Ratio

94.87%

Rank 714 of 746

Equity / Assets

9.78%

Rank 455 of 746

Non-interest income vs. expense

$0.2M$6.2MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state
Bank 94.87%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.06%0.72%1.06%1.45%Beats 4%717 / 746
Return on Equity0.64%6.74%10.51%13.63%Beats 4%714 / 746
Net Interest Margin2.19%3.17%3.68%4.16%Beats 4%718 / 746
Efficiency Ratio94.87%55.74%64.58%75.47%Beats 4%714 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio15.34%11.55%13.75%17.60%Beats 64%271 / 746
Total Risk-Based Capital Ratio16.53%11.71%14.33%18.43%Beats 67%247 / 746
Equity / Assets9.78%8.90%10.51%13.06%Beats 39%455 / 746
Liquidity & Funding
Loans / Deposits111.36%61.31%78.27%90.78%97th pctl20 / 746
Loans / Assets78.88%53.60%66.97%76.08%82nd pctl132 / 746
Brokered Deposits / Depositsn/aNot reported for this institution