Side-by-side · Q2 2026 data
First Bank of Utica vs York State Bank
Metric by metric
| Measure | First Bank of Utica | York State Bank |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 93 (stronger) | 89 |
| Loan quality | 79 | 93 (stronger) |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 67 | 70 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 56th | 95th |
| Total assets | $77.4M | $200.2M |
| Deposits / shares | $62.4M | $167.4M |
| Capital ratio | 14.27% (stronger) | 13.92% |
| Problem loans | 0.63% | 0.20% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.08% |
| Return on assets | 0.63% | 2.08% (stronger) |
| Loans ÷ deposits | 93.4% | 77.1% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 27.4% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
York State Bank has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Utica leads on 3 and York State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.