What is Bank of Utica's financial health grade?

Bank of Utica has a TFS Financial Health Grade of D- (score: 61.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Bank of Utica have?

Bank of Utica has 1 branch location across the United States.

Is Bank of Utica FDIC insured?

Yes, Bank of Utica is FDIC insured (Certificate #13397).

What are the total assets of Bank of Utica?

Bank of Utica has total assets of $1.4B as reported in its most recent FDIC filing.

Bank of Utica

BankUtica, New York

http://www.bankofutica.com

Total Assets

$1.4B

Total Deposits

$1.0B

Branches

Established

1927

TFS Health Grade

D-

61.8 / 100

Below average financial health

How we grade

Bank of Utica is a bank headquartered in Utica, New York, established in 1927. With $1.4B in total assets and 1 branch locations, it has a TFS Financial Health Grade of D- (61.8/100).

Capital & Safety

Tier 1 Capital Ratio

25.55%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.67%

Profitability

Return on Assets (ROA)

2.31%(1%)

Return on Equity (ROE)

9.48%(10%)

Net Interest Margin

1.83%

Efficiency Ratio

36.73%(60%)

Lending & Liquidity

Total Loans

$142.3M

Loan-to-Deposit Ratio

13.97%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+1.18%

Deposit Growth (YoY)

-1.64%

Net Income

$32.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Bank of UticaHQ	222 Genesee St	Utica	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.