The Upstate National Bank (FDIC certificate #13748) is based in Ogdensburg, New York. Its Q2 2026 call report shows $294.8M in total assets and $208.8M in deposits and 4 offices.
The Upstate National Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 64th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (23/100, 0.07%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 56 |
| Q4 2024 | 57 |
| Q1 2025 | 58 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 65 |
| Q1 2026 | 64 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.05% |
| Q3 2024 | 9.86% |
| Q4 2024 | 9.95% |
| Q1 2025 | 10.32% |
| Q2 2025 | 10.78% |
| Q3 2025 | 10.75% |
| Q4 2025 | 10.65% |
| Q1 2026 | 10.69% |
| Q2 2026 | 10.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.85% |
| Q3 2024 | -1.01% |
| Q4 2024 | -0.99% |
| Q1 2025 | -0.66% |
| Q2 2025 | -0.18% |
| Q3 2025 | -0.10% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $294.8M | 10.19% | 0.00% | 0.07% | 110.3% |
| Q1 2026 | 64 | $285.2M | 10.69% | 0.00% | 0.02% | 112.5% |
| Q4 2025 | 65 | $276.6M | 10.65% | 0.00% | 0.15% | 116.0% |
| Q3 2025 | 63 | $277.0M | 10.75% | 0.00% | -0.10% | 117.8% |
| Q2 2025 | 63 | $262.3M | 10.78% | 0.00% | -0.18% | 122.4% |
| Q1 2025 | 58 | $268.7M | 10.32% | 0.00% | -0.66% | 125.1% |
| Q4 2024 | 57 | $263.5M | 9.95% | 0.03% | -0.99% | 127.2% |
| Q3 2024 | 56 | $286.2M | 9.86% | 0.09% | -1.01% | 118.0% |
| Q2 2024 | 57 | $286.8M | 10.05% | 0.09% | -0.85% | 124.7% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Global BankBank New York, NY | 36 out of 100, Low | $304.2M | 12.1% | 4.49% | vs |
| Sawyer Savings BankBank Saugerties, NY | 44 out of 100, Below average | $284.7M | 11.0% | 2.57% | vs |
| American Community BankBank Glen Cove, NY | 78 out of 100, Strong | $306.5M | 13.4% | 0.00% | vs |
| Bank of MillbrookBank Millbrook, NY | 73 out of 100, Strong | $311.7M | 12.1% | 1.76% | vs |
| Carthage Savings and Loan, National AssociationBank Carthage, NY | 77 out of 100, Strong | $312.1M | 12.9% | 0.32% | vs |
| Seneca Savings Bank, National AssociationBank Baldwinsville, NY | 51 out of 100, Below average | $312.5M | 9.8% | 1.12% | vs |
Deposit insurance
Is my money safe at The Upstate National Bank?
Yes. The Upstate National Bank is an FDIC-insured institution (FDIC certificate #13748). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.2% of deposits ($21.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.53% (benchmark: 10%).
4 locations
Branches
The Upstate National Bank lists 3 offices in 3 cities. Most locations:
- Ogdensburg, NY (1)
- Philadelphia, NY (1)
- Rochester, NY (1)
Identity & history
Profile
- Legal name
- The Upstate National Bank
- Former names
- The First National Bank of Lisbon
- Type
- National bank
- FDIC certificate #
- 13748
- RSSD ID
- 313009
- Primary regulator
- OCC
- Established
- September 27, 1922
- Headquarters
- 729 Proctor Ave, Ogdensburg, NY 13669
- Website
- www.upstatebank.com
- Employees
- 24
Quick answers
The Upstate National Bank: common questions
Is The Upstate National Bank FDIC insured?
Yes. The Upstate National Bank is an FDIC-insured institution (FDIC certificate #13748). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Upstate National Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Upstate National Bank ever failed?
There is no failure record for FDIC certificate #13748 in the FDIC failed bank list.
How many branches does The Upstate National Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ogdensburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sea Comm Federal Credit UnionCredit union Massena, NY | 89 out of 100, Very strong | $777.3M | 18.0% | 0.63% | vs |
| The North Country Savings BankBank Canton, NY | 78 out of 100, Strong | $373.5M | 14.5% | 0.82% | vs |
| Ed-Med Federal Credit UnionCredit union Ogdensburg, NY | 76 out of 100, Strong | $34.7M | 12.5% | 1.08% | vs |
| Massena Savings and LoanBank Massena, NY | 73 out of 100, Strong | $199.9M | 15.1% | 1.30% | vs |
| Saint Lawrence Federal Credit UnionCredit union Ogdensburg, NY | 72 out of 100, Strong | $272.3M | 11.5% | 0.54% | vs |
| NBT Bank, National AssociationBank Norwich, NY | 64 out of 100, Moderate | $16.1B | 9.5% | 0.55% | vs |