The Upstate National Bank

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.upstatebank.com

585-454-3450

150 State Street, Suite 320
Rochester, NY 14614

The Upstate National Bank is headquartered in OGDENSBURG and is the 92^nd largest bank in the state of New York. It is also the 2,652^nd largest bank in the nation. It was established in 1922 and as of March of 2025, it had grown to 23 employees at 4 locations. The Upstate National Bank has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	13748
Year Established	1922
Employees	23
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.66%
Return on Equity - YTD	-6.59%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$268.7MM$308MM
Loans	Q1 2025vs Q1 2024	$219.7MM$240.5MM
Deposits	Q1 2025vs Q1 2024	$175.7MM$204.5MM
Equity Capital	Q1 2025vs Q1 2024	$26.6MM$29MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.9MM$2.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for The Upstate National Bank are currently being reviewed.

Locations

The Upstate National Bank Locations
Ogdensburg Branch	729 Proctor Ave	Ogdensburg, NY 13669
Philadelphia Branch	77 Main Street	Philadelphia, NY 13673
Rochester, NY Headquarters	150 State Street, Suite 320	Rochester, NY 14614

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