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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 119th largest bank in the state of New York. It is also the 3,192nd largest bank in the nation. It was established in 1922 and as of December 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 Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #13748
Year Established1922
Employees22
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD7.94%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$164.7MM$139.8MM
LoansQ4 2019vs Q4 2018$136.1MM$109.3MM
DepositsQ4 2019vs Q4 2018$125.1MM$100.1MM
Equity CapitalQ4 2019vs Q4 2018$17.4MM$15.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.4MM$1.2MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$0$0
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Bank729 Proctor AveOgdensburg, NY 13669
Philadelphia Branch77 Main StreetPhiladelphia, NY 13673
Harro-East Branch150 State Street, Third FloorRochester, NY 14614

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