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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 114th largest bank in the state of New York. It is also the 3,144th largest bank in the nation. It was established in 1922 and as of June of 2020, it had grown to 22 employees at 4 locations. The Upstate National Bank's money market rates are 14% higher than the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #13748
Year Established1922
Employees22
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD8.98%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$183.0MM$146.6MM
LoansQ2 2020vs Q2 2019$154.8MM$116.5MM
DepositsQ2 2020vs Q2 2019$141.6MM$102.6MM
Equity CapitalQ2 2020vs Q2 2019$18.6MM$16.7MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.5MM$1.3MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$0$0
Real Estate OwnedQ2 2020vs Q2 2019$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
0.20%$5k-Gold Pyramid Elite Relationship Savings
0.05%--Regular Savings
0.05%$2-Christmas Club - Ogdensburg & Philadelphia NY Area Markets Only

The Upstate National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$250k*-Money Market Deposit Account
OTHER TIERS: 0.15% → $5k - $10k | 0.25% → $10k - $100k | 0.40% → $100k - $250k

The Upstate National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$150k*-Super NOW Checking
OTHER TIERS: 0.05% → $2.5k - $10k | 0.10% → $10k - $50k | 0.15% → $50k - $150k
0.10%$5k-Gold Pyramid Elite Relationship Checking
0.10%*$5k*-Regular NOW Checking
OTHER TIERS: 0.05% → $500 - $5k

The Upstate National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$50k-60 Month CD
0.60%$50k-48 Month CD
0.50%$50k-36 Month CD
0.45%$50k-30 Month CD
0.40%$50k-24 Month CD
0.35%$50k-18 Month CD
0.30%$50k-12 Month CD
0.20%$1k-6 Month CD

The Upstate National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$50k-60 Month IRA
0.60%$50k-48 Month IRA
0.50%$50k-36 Month IRA
0.45%$50k-30 Month IRA
0.40%$50k-24 Month IRA
0.35%$50k-18 Month IRA
0.30%$50k-12 Month IRA
Locations


The Upstate National Bank Locations
Ogdensburg Branch729 Proctor AveOgdensburg, NY 13669
Philadelphia Branch77 Main StreetPhiladelphia, NY 13673
Rochester, NY Headquarters150 State Street, Suite 320Rochester, NY 14614

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