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 730th largest bank in the nation. It was established in 1927 and as of September of 2018, it had grown to 41 employees at 1 location. Bank of Utica's CD rates are 3X the national average, and it has an A health rating.

Related Posts

Bank of Utica (NY) Boosts 5-Year CD Rate - 11/8/2018

Bank of Utica (NY) has raised the rate on its 5-year CD (4.00% APY) and 4-year up to 5-year CD (3.50% APY). Minimum opening deposit is $500, with no stated balance cap.

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Reviews (1)

Interest Rates

Posted by: Anonymous | Apr 3, 2011

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


Health Grade Components

FDIC Certificate #13397
Year Established1927
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD6.02%
Annual Interest Income$20.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.06B$1.07B
LoansQ3 2018vs Q3 2017$66.3MM$71.0MM
DepositsQ3 2018vs Q3 2017$820.8MM$841.3MM
Equity CapitalQ3 2018vs Q3 2017$231.1MM$210.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.6MM$1.8MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$568.00K$1.9MM
Real Estate OwnedQ3 2018vs Q3 2017$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

0.60%$500-Personal Checking
0.60%$500-Business Checking
0.60%$500-Tax-Exempt Checking
0.60%$500-Municipal Checking

Bank of Utica CD Rates

4.00%$500-5 Year CD
3.50%$500-4 Year Up to 5 Year CD
3.00%$500-3 Year Up to 4 Year CD
2.75%$500$100k2 Year Up to 3 Year CD
2.50%$500$100k1 Year Up to 2 Year CD
1.00%$2.5k-6 Month Up to 1 Year CD
0.60%$5k-3 Month Up to 6 Month CD
0.30%$10k-1 Month Up to 3 Month CD

Bank of Utica IRA Rates

4.00%$500-5 Year IRA
3.50%$500-4 Year up to 5 Year IRA
3.00%$500-3 Year up to 4 Year IRA
2.75%$500-2 Year up to 3 Year IRA
2.50%$500-1 Year up to 2 Year IRA

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

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