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
Unfavorable gap of $6.0M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.06% | 0.72% | 1.06% | 1.45% | Beats 4% | 717 / 746 | |
| Return on Equity | 0.64% | 6.74% | 10.51% | 13.63% | Beats 4% | 714 / 746 | |
| Net Interest Margin | 2.19% | 3.17% | 3.68% | 4.16% | Beats 4% | 718 / 746 | |
| Efficiency Ratio | 94.87% | 55.74% | 64.58% | 75.47% | Beats 4% | 714 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.34% | 11.55% | 13.75% | 17.60% | Beats 64% | 271 / 746 | |
| Total Risk-Based Capital Ratio | 16.53% | 11.71% | 14.33% | 18.43% | Beats 67% | 247 / 746 | |
| Equity / Assets | 9.78% | 8.90% | 10.51% | 13.06% | Beats 39% | 455 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 111.36% | 61.31% | 78.27% | 90.78% | 97th pctl | 20 / 746 | |
| Loans / Assets | 78.88% | 53.60% | 66.97% | 76.08% | 82nd pctl | 132 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |