Upstate National Bank
Ogdensburg, New York · FDIC Cert #13748
Upstate National Bank is an FDIC-insured bank (Certificate #13748) with $287M in total assets and $186M in total deposits as of the Q2 2024 Call Report. Headquartered in Ogdensburg, New York, the bank maintains a Tier 1 capital ratio of 15.27% (Well-Capitalized) and a nonperforming loan ratio of 0.09%. BankHealthData assigns a composite Health Grade of B (76/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Upstate National Bank (FDIC cert 13748) is a community bank — $287M in total assets, $186M in deposits, serving the Ogdensburg, New York area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.27% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.09% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 16.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -1.16% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Upstate National Bank carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Upstate National Bank
- Total Assets
- $287M
- Total Deposits
- $186M
- Tier 1 Capital Ratio
- 15.27%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.09%
- Liquidity Ratio
- 16.45%
- Return on Assets
- -1.16%
- Headquarters
- Ogdensburg, New York
- FDIC Certificate
- #13748
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Upstate National Bank holds a Tier 1 capital ratio of 15.27%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Upstate National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Upstate National Bank shows strong financial health indicators. With $287M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Upstate National Bank Compares
Upstate National Bank’s Health Score of 76 is 5 points above the New York state average of 71 across 130 FDIC-insured banks. Its 15.27% Tier 1 capital ratio is 1.3 points above the US banking industry average near 14%. The 0.09% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -1.16% is below the national ROA benchmark of ~1.1%. Among 1592 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Upstate National Bank is 6 points above the portfolio average of 70.
Frequently Asked Questions
Upstate National Bank has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 15.27%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Upstate National Bank's Tier 1 capital ratio of 15.27% and nonperforming loan ratio of 0.09% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Upstate National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13748). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Upstate National Bank holds $287M in total assets and $186M in total deposits. It is headquartered in Ogdensburg, New York (FDIC Certificate #13748).
Upstate National Bank has a Tier 1 capital ratio of 15.27%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.09%, and the return on assets is -1.16%.
Yes. Upstate National Bank is FDIC-insured (Certificate #13748). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Upstate National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.