Vitals
  • Total Assets
    109.6M 8.7 %
  • Total Deposits
    96.3M 23.6 %
  • Total Net Loans
    81.5M 10.6 %
  • Net Income
    608000.0000 -19.1 %
  • Book Value
    13.3M 6.1 %
  • Book Value x2
    26.5M 6.1 %
  • Book Value x3
    39.8M 6.1 %
ROAA

.579

ROAE

4.695

Efficiency Ratio

86.723

Net Interest Margin

3.587

Balance Sheet Highlights
Financial Highlights The Upstate National Bank All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 109,613 1,637,033
Total Net Loans 81,483 1,047,955
Total Deposits 96,282 1,296,950
Total Equity 13,264 187,165
Profitability
Net Income 608 13,254
Return on Average Assets .579 .773
Return on Average Equity 4.695 7.506
Net Interest Margin 3.587 3.19
Efficiency Ratio 86.723 65.064
Noninterest Income/Revenue 1.229 18.239
Balance Sheet Ratios
Loan-to-Deposit 84.63 73.986
Securities/Assets .148 .167
Total Equity/Total Assets .121 .114
Tangible Equity/Tangible Assets .121 .109
Capital Adequacy
Tier 1 Common Capital 13,298 154,500
Tier 1 Capital 13,298 155,066
Tier 2 Capital 977 9,750
Total Capital 14,275 168,084
Total Risk Weighted Assets 77,767 1,138,832
Leverage Ratio 11.98 10.188
Common Equity Tier 1 Capital Ratio 17.1 16.458
Tier 1 Capital Ratio 17.1 16.551
Total Capital Ratio 18.36 17.647

Timeline for The Upstate National Bank

K & Z Company Llc, The

K & Z Company Llc, The became a new parent organization for The Upstate National Bank.

View Profile Jun 30 1998

Ifs Catskills Llc

Ifs Catskills Llc became a new parent organization for The Upstate National Bank.

View Profile Mar 27 1995

United Bank Corporation Of New York

United Bank Corporation Of New York became a new parent organization for The Upstate National Bank.

View Profile Dec 27 1989

First National Bancorp, Inc.

First National Bancorp, Inc. became a new parent organization for The Upstate National Bank.

View Profile Aug 29 1988

The Upstate National Bank

The Upstate National Bank was established 101 years ago and is currently headquartered in Ogdensburg, NY.

Sep 27 1922
Relationships Role Relationship Start Relationship End
K & Z Company Llc, The Parent 8/31/2001
K & Z Company Llc, The Parent 6/30/2000 8/30/2001
K & Z Company Llc, The Parent 6/30/1998 6/29/2000
Ifs Catskills Llc Parent 3/27/1995 5/10/1996
United Bank Corporation Of New York Parent 3/27/1995 12/12/1995
United Bank Corporation Of New York Parent 9/9/1994 3/26/1995
United Bank Corporation Of New York Parent 12/27/1989 9/8/1994
First National Bancorp, Inc. Parent 8/29/1988 12/8/1989
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