Bank of Utica


Overview / Commentary
800-442-1028
222 Genesee Street
Utica, NY 13502

Bank of Utica is headquartered in Utica and is the 47th largest bank in the state of New York. It is also the 710th largest bank in the nation. It was established in 1927 and as of March of 2021, it had grown to 43 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
A+

Health Grade Components

Overall
FDIC Certificate #13397
Year Established1927
Employees43
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD4.66%
Return on Equity - YTD24.09%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$1.44B$1.16B
LoansQ1 2021vs Q1 2020$122.4MM$100.2MM
DepositsQ1 2021vs Q1 2020$1.14B$914.8MM
Equity CapitalQ1 2021vs Q1 2020$277.9MM$230.5MM
Loan Loss AllowanceQ1 2021vs Q1 2020$1.7MM$1.2MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$1.2MM$1.5MM
Real Estate OwnedQ1 2021vs Q1 2020$0$0
Rates
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Bank of Utica Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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

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