Overview / Commentary
729 Proctor Ave
Ogdensburg, NY 13669

The Upstate National Bank is headquartered in Ogdensburg and is the 131st largest bank in the state of New York. It is also the 3,718th largest bank in the nation. It was established in 1922 and as of June of 2018, it had grown to 21 employees at 4 locations. The Upstate National Bank's CD rates are 57% higher than the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #13748
Year Established1922
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD7.46%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$129.1MM$116.0MM
LoansQ2 2018vs Q2 2017$101.1MM$86.0MM
DepositsQ2 2018vs Q2 2017$90.4MM$102.0MM
Equity CapitalQ2 2018vs Q2 2017$14.5MM$14.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.2MM$1.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$407.00K$366.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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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

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

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

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

2.02%$1k-5 Year CD
1.92%$1k-4 Year CD
1.87%$1k-3 Year CD
1.76%$1k-30 Month CD
1.71%$1k-2 Year CD
1.61%$1k-18 Month CD
1.41%$1k-1 Year CD
1.01%$1k-9 Month CD
0.75%$1k-6 Month CD
0.50%$1k-3 Month CD

The Upstate National Bank IRA Rates

2.02%$1k-5 Year IRA
1.92%$1k-4 Year IRA
1.87%$1k-3 Year IRA
1.76%$1k-30 Month IRA
1.71%$1k-2 Year IRA
1.61%$1k-18 Month IRA
1.41%$1k-1 Year IRA

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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