The Upstate National Bank

Overview / Commentary

www.upstatebank.com

800-543-9064

729 Proctor Ave
Ogdensburg, NY 13669

The Upstate National Bank is headquartered in Ogdensburg and is the 126^th largest bank in the state of New York. It is also the 3,562^nd largest bank in the nation. It was established in 1922 and as of March of 2019, it had grown to 22 employees at 4 locations. The Upstate National Bank's CD rates are 79% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	13748
Year Established	1922
Employees	22
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	8%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$137.3MM$126.0MM
Loans	Q1 2019vs Q1 2018	$109.8MM$97.6MM
Deposits	Q1 2019vs Q1 2018	$100.5MM$87.2MM
Equity Capital	Q1 2019vs Q1 2018	$16.1MM$14.3MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$0$407.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Upstate National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$5k	-	Gold Pyramid Elite Relationship Savings
0.25%	-	-	Regular Savings
0.25%	$2	-	Christmas Club - Ogdensburg & Philadelphia NY Area Markets Only

The Upstate National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$250k^*	-	Money Market Deposit Account
OTHER TIERS: 0.25% → $5k - $10k \| 0.35% → $10k - $100k \| 0.50% → $100k - $250k

The Upstate National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$150k^*	-	Super NOW Checking
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.25% → $10k - $50k \| 0.35% → $50k - $150k
0.25%^*	$5k^*	-	Regular NOW Checking
OTHER TIERS: 0.15% → $500 - $5k
0.22%	$5k	-	Gold Pyramid Elite Relationship Checking

The Upstate National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$50k	-	5 Year CD Special
2.43%	$50k	-	4 Year CD Special
2.22%	$50k	-	3 Year CD Special
2.07%	$50k	-	30 Month CD Special
1.92%	$50k	-	2 Year CD Special
1.77%	$50k	-	18 Month CD Special
1.61%	$50k	-	1 Year CD Special
1.01%	$1k	-	9 Month CD
0.75%	$1k	-	6 Month CD
0.50%	$1k	-	3 Month CD

The Upstate National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$50k	-	5 Year IRA Special
2.43%	$50k	-	4 Year IRA Special
2.22%	$50k	-	3 Year IRA Special
2.07%	$50k	-	30 Month IRA Special
1.92%	$50k	-	2 Year IRA Special
1.77%	$50k	-	18 Month IRA Special
1.61%	$50k	-	1 Year IRA Special

Locations

The Upstate National Bank Locations
The Upstate National Bank	729 Proctor Ave	Ogdensburg, NY 13669
Philadelphia Branch	77 Main Street	Philadelphia, NY 13673
Harro-East Branch	150 State Street, Third Floor	Rochester, NY 14614

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