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 The Upstate National Bank
The Upstate National Bank
| RSSD ID 313009 | CERTIFICATE 13748 | ABA NUMBER 21310465 |
| 729 Proctor Ave |
Quarter Ended : |
2025-12-31 |
| Ogdensburg, New York, 13669 |
Updated : |
2026-01-29 |
| www.upstatebank.com |
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| Institution Profile |
| Year Opened : |
1922 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
25 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 276,574 |
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Total Interest Income | 13,892 |
| Total Liabilities | 247,685 |
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Total NonInterest Income | 918 |
| Total Bank Equity Capital | 28,889 |
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Total Interest Expense | 9,087 |
| Total Deposits | 190,562 |
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Total NonInterest Expense | 5,752 |
| Net Loans & Leases | 221,116 |
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Net Income | 410 |
| Loan Loss Allowance | 2,273 |
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Net Charge Offs | (64) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 31,741 |
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Total loans | 221,720 |
| Total assets for the leverage ratio | 276,595 |
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Loans secured by real estate: | 213,357 |
| Tier 1 Leverage Ratio | 10.65 |
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Commercial and industrial loans | 8,352 |
| Tier 1 Capital Ratio | 16.05 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.29 |
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Loans to individuals - Other | 20 |
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:· The Upstate National Bank
