Bank of Utica


Overview / Commentary
800-442-1028
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 719th largest bank in the nation. It was established in 1927 and as of December 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
A+

Health Grade Components

Overall
FDIC Certificate #13397
Year Established1927
Employees42
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.9%
Return on Equity - YTD9.12%
Annual Interest Income$33.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.14B$1.07B
LoansQ4 2019vs Q4 2018$88.3MM$73.9MM
DepositsQ4 2019vs Q4 2018$885.9MM$835.5MM
Equity CapitalQ4 2019vs Q4 2018$241.4MM$224.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.3MM$1.8MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.3MM$395.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Bank of Utica Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-5 Year CD
1.85%$500-4 Year Up to 5 Year CD
1.70%$500-3 Year Up to 4 Year CD
1.55%$500$100k2 Year Up to 3 Year CD
1.40%$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
2.00%$500-5 Year IRA
1.85%$500-4 Year up to 5 Year IRA
1.70%$500-3 Year up to 4 Year IRA
1.55%$500-2 Year up to 3 Year IRA
1.40%$500-1 Year up to 2 Year IRA
Locations


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

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