Bank of Utica

Overview / Commentary
222 Genesee Street
Utica, NY 13502

Bank of Utica is headquartered in Utica and is the 48th largest bank in the state of New York. It is also the 714th largest bank in the nation. It was established in 1927 and as of September of 2019, it had grown to 42 employees at 1 location. Bank of Utica's money market rates are 2X the national average, and it boasts an A+ health rating.

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Reviews (2)

Interest Rates

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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 - YTD1.62%
Return on Equity - YTD7.82%
Annual Interest Income$24.5MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$1.14B$1.06B
LoansQ3 2019vs Q3 2018$76.2MM$66.3MM
DepositsQ3 2019vs Q3 2018$885.8MM$820.8MM
Equity CapitalQ3 2019vs Q3 2018$235.6MM$229.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$1.3MM$1.6MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$825.00K$568.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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Bank of Utica Savings Account Rates

1.50%$1-Health Savings Account
1.10%$250-Statement Savings Account
1.10%$250-Business Statement Savings Account
1.00%$5$10kChristmas Club Account

Bank of Utica Money Market Rates

1.00%$1k-Personal Money Market Account (MMA)
1.00%$1-IRA Money Market Account (MMA)
1.00%$1k-Business Money Market Account (MMA)
1.00%$1k-Municipal Money Market Account (MMA)

Bank of Utica Checking Account Rates

0.25%$500-Personal Checking
0.25%$500-Business Checking
0.25%$500-Tax-Exempt Checking
0.25%$500-Municipal Checking

Bank of Utica CD Rates

2.60%$500-5 Year CD
2.40%$500-4 Year Up to 5 Year CD
2.20%$500-3 Year Up to 4 Year CD
2.00%$500$100k2 Year Up to 3 Year CD
1.75%$500$100k1 Year Up to 2 Year CD
0.75%$2.5k-6 Month Up to 1 Year CD
0.50%$5k-3 Month Up to 6 Month CD
0.25%$10k-1 Month Up to 3 Month CD

Bank of Utica IRA Rates

2.60%$500-5 Year IRA
2.40%$500-4 Year up to 5 Year IRA
2.20%$500-3 Year up to 4 Year IRA
2.00%$500-2 Year up to 3 Year IRA
1.75%$500-1 Year up to 2 Year IRA

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

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