Headquartered in Utica, New York, Bank of Utica is a state-chartered bank with $1.5B in total assets and $1.1B in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1927.
Bank of Utica has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 4th. Capital cushion contributes the most (100/100, 26.49%); funding & liquidity contributes the least (79/100, 14% loans-to-deposits, 35% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (83 → 92), mostly because the loan quality component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 89 |
| Q4 2024 | 84 |
| Q1 2025 | 79 |
| Q2 2025 | 83 |
| Q3 2025 | 81 |
| Q4 2025 | 92 |
| Q1 2026 | 90 |
| Q2 2026 | 92 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 24.91% |
| Q3 2024 | 25.41% |
| Q4 2024 | 24.06% |
| Q1 2025 | 24.01% |
| Q2 2025 | 24.27% |
| Q3 2025 | 24.87% |
| Q4 2025 | 25.55% |
| Q1 2026 | 25.79% |
| Q2 2026 | 26.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.96% |
| Q4 2024 | 1.14% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.87% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.59% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.97% |
| Q3 2024 | 2.34% |
| Q4 2024 | 1.50% |
| Q1 2025 | 0.90% |
| Q2 2025 | 1.59% |
| Q3 2025 | 2.18% |
| Q4 2025 | 2.31% |
| Q1 2026 | 3.06% |
| Q2 2026 | 4.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $1.5B | 26.49% | 0.59% | 4.80% | 14.3% |
| Q1 2026 | 90 | $1.4B | 25.79% | 0.81% | 3.06% | 13.9% |
| Q4 2025 | 92 | $1.4B | 25.55% | 0.67% | 2.31% | 14.0% |
| Q3 2025 | 81 | $1.4B | 24.87% | 1.87% | 2.18% | 12.7% |
| Q2 2025 | 83 | $1.4B | 24.27% | 1.30% | 1.59% | 12.2% |
| Q1 2025 | 79 | $1.4B | 24.01% | 1.11% | 0.90% | 11.8% |
| Q4 2024 | 84 | $1.4B | 24.06% | 1.14% | 1.50% | 12.0% |
| Q3 2024 | 89 | $1.4B | 25.41% | 0.96% | 2.34% | 12.2% |
| Q2 2024 | 93 | $1.3B | 24.91% | 0.52% | 1.97% | 11.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pathfinder BankBank Oswego, NY | 42 out of 100, Below average | $1.5B | 9.6% | 4.69% | vs |
| Rhinebeck BankBank Rhinebeck, NY | 69 out of 100, Moderate | $1.5B | 10.9% | 0.38% | vs |
| Alma BankBank Astoria, NY | 57 out of 100, Moderate | $1.6B | 10.3% | 0.84% | vs |
| Grasshopper Bank, N.A.Bank New York, NY | 64 out of 100, Moderate | $1.6B | 8.2% | 0.46% | vs |
| Ulster Savings BankBank Kingston, NY | 53 out of 100, Below average | $1.4B | 9.8% | 1.54% | vs |
| Ballston Spa National BankBank Ballston Spa, NY | 55 out of 100, Moderate | $1.4B | 8.7% | 0.23% | vs |
Deposit insurance
Is my money safe at Bank of Utica?
Yes. Bank of Utica is an FDIC-insured institution (FDIC certificate #13397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.5% of deposits ($370.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 26.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Bank of Utica lists 1 office in 1 city. Most locations:
- Utica, NY (1)
Identity & history
Profile
- Legal name
- Bank of Utica
- Type
- State-chartered bank
- FDIC certificate #
- 13397
- RSSD ID
- 254317
- Primary regulator
- FDIC
- Established
- April 23, 1927
- Headquarters
- 222 Genesee St, Utica, NY 13502
- Website
- www.bankofutica.com
- Employees
- 44
Quick answers
Bank of Utica: common questions
Is Bank of Utica FDIC insured?
Yes. Bank of Utica is an FDIC-insured institution (FDIC certificate #13397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Utica's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Utica ever failed?
There is no failure record for FDIC certificate #13397 in the FDIC failed bank list.
How many branches does Bank of Utica have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Utica
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Remington Federal Credit UnionCredit union Ilion, NY | 88 out of 100, Very strong | $59.9M | 15.1% | 0.76% | vs |
| Utica District Telephone Employees Federal Credit UnionCredit union Utica, NY | 82 out of 100, Strong | $40.3M | 31.9% | 0.83% | vs |
| Mohawk Valley Federal Credit UnionCredit union Marcy, NY | 80 out of 100, Strong | $61.9M | 12.9% | 0.86% | vs |
| G.P.O. Federal Credit UnionCredit union New Hartford, NY | 79 out of 100, Strong | $629.8M | 11.7% | 0.39% | vs |
| Oneida County Federal Credit UnionCredit union Utica, NY | 73 out of 100, Strong | $13.5M | 12.5% | 0.38% | vs |
| Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY | 73 out of 100, Strong | $135.9M | 16.7% | 1.72% | vs |