Side-by-side · Q2 2026 data
Cayuga Lake National Bank vs The Upstate National Bank
Metric by metric
| Measure | Cayuga Lake National Bank | The Upstate National Bank |
|---|---|---|
| TellerScore | 44 | 63 (stronger) |
| Capital cushion | 43 | 52 (stronger) |
| Loan quality | 18 | 100 (stronger) |
| Earnings | 44 (stronger) | 23 |
| Funding & liquidity | 78 (stronger) | 50 |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 4th | 24th |
| Total assets | $273.7M | $294.8M |
| Deposits / shares | $249.1M | $208.8M |
| Capital ratio | 9.30% | 10.19% (stronger) |
| Problem loans | 2.46% | 0.00% (stronger) |
| Net charge-offs | 0.06% | -0.00% (stronger) |
| Return on assets | 0.60% (stronger) | 0.07% |
| Loans ÷ deposits | 69.5% (stronger) | 110.3% |
| Uninsured deposits | 26.1% | 10.2% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | — |
The Upstate National Bank has the higher TellerScore (63 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Cayuga Lake National Bank leads on 2 and The Upstate National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.