Bank of Utica

Overview / Commentary
222 Genesee Street
Utica, NY 13502

Bank of Utica is headquartered in Utica and is the 49th largest bank in the state of New York. It is also the 723rd largest bank in the nation. It was established in 1927 and as of December of 2020, it had grown to 44 employees at 1 location. Bank of Utica's savings rates are 15% higher than the national average, and it boasts an A+ health rating.

Reviews (2)

Interest Rates

Posted by: |

It's local deposits only, so it doesn't apply to about 99% of those interested.

Local Depositors ONLY!!!

Called to find only LOCAL Depositors can open a cd account!!! This was after wasting time to fill out the
online application!!!


Health Grade Components

FDIC Certificate #13397
Year Established1927
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.95%
Return on Equity - YTD9.9%
Annual Interest Income$38.1MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$1.35B$1.14B
LoansQ4 2020vs Q4 2019$120.1MM$88.3MM
DepositsQ4 2020vs Q4 2019$1.06B$885.9MM
Equity CapitalQ4 2020vs Q4 2019$261.6MM$241.4MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.7MM$1.3MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.2MM$1.3MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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Bank of Utica Savings Account Rates

1.00%$1-Health Savings Account
1.00%$5$10kChristmas Club Account
0.60%$250-Statement Savings Account
0.60%$250-Business Statement Savings Account

Bank of Utica Money Market Rates

0.50%$1k-Personal Money Market Account (MMA)
0.50%$1-IRA Money Market Account (MMA)
0.50%$1k-Business Money Market Account (MMA)
0.50%$1k-Municipal Money Market Account (MMA)

Bank of Utica Checking Account Rates

0.10%$500-Personal Checking
0.10%$500-Business Checking
0.10%$500-Tax-Exempt Checking
0.10%$500-Municipal Checking

Bank of Utica CD Rates

1.25%$500-5 Year CD
1.15%$500-4 Year Up to 5 Year CD
1.00%$500-3 Year Up to 4 Year CD
0.90%$500$100k2 Year Up to 3 Year CD
0.80%$500$100k1 Year Up to 2 Year CD
0.50%$2.5k-6 Month Up to 1 Year CD
0.35%$5k-3 Month Up to 6 Month CD
0.25%$10k-1 Month Up to 3 Month CD

Bank of Utica IRA Rates

1.25%$500-5 Year IRA
1.15%$500-4 Year up to 5 Year IRA
1.00%$500-3 Year up to 4 Year IRA
0.90%$500-2 Year up to 3 Year IRA
0.80%$500-1 Year up to 2 Year IRA

Bank of Utica Locations
Bank Of Utica222 Genesee StreetUtica, NY 13502

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