The Upstate National Bank

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 103^rd largest bank in the state of New York. It is also the 2,813^th largest bank in the nation. It was established in 1922 and as of December of 2021, it had grown to 20 employees at 4 locations. The Upstate National Bank has an A health rating.

Reviews (1)

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New Money!

Posted by: Tiger | Mar 18, 2020

They are not accepting any new money any more!

Comment

Health

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	13748
Year Established	1922
Employees	20
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.33%
Return on Equity - YTD	15.08%
Annual Interest Income	$9.1MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$247.7MM$204.6MM
Loans	Q4 2021vs Q4 2020	$208.1MM$175.2MM
Deposits	Q4 2021vs Q4 2020	$209.3MM$174.0MM
Equity Capital	Q4 2021vs Q4 2020	$21.6MM$19.3MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$2.2MM$1.8MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$0$0
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not The Upstate National Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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	VIEW DETAILS
0.05%	-	-	Regular Savings
0.05%	$2	-	Christmas Club - Ogdensburg & Philadelphia NY Area Markets Only

The Upstate National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$250k^*	-	Money Market Deposit Account
OTHER TIERS: 0.10% → $5k - $10k \| 0.20% → $10k - $100k \| 0.30% → $100k - $250k

The Upstate National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$150k^*	-	Super NOW Checking
OTHER TIERS: 0.05% → $2.5k - $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $150k
0.10%^*	$5k^*	-	Regular NOW Checking
OTHER TIERS: 0.05% → $500 - $5k

The Upstate National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$50k	-	60 Month CD
0.65%	$50k	-	48 Month CD
0.55%	$50k	-	36 Month CD
0.50%	$50k	-	30 Month CD
0.45%	$50k	-	24 Month CD
0.40%	$50k	-	18 Month CD
0.35%	$50k	-	12 Month CD
0.25%	$1k	-	6 Month CD

The Upstate National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$50k	-	60 Month IRA
0.65%	$50k	-	48 Month IRA
0.55%	$50k	-	36 Month IRA
0.50%	$50k	-	30 Month IRA
0.45%	$50k	-	24 Month IRA
0.40%	$50k	-	18 Month IRA
0.35%	$50k	-	12 Month IRA

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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