Upstate National Bank
Ogdensburg, New York · FDIC Cert #13748
This is the FDIC profile for Upstate National Bank, an FDIC-insured bank (Certificate #13748) with $287M in total assets and $186M in total deposits per its most recent FDIC Call Report filing (Q2 2024). 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) based on quarterly FDIC filings. 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
FDIC Filings & Call Report Data
Upstate National Bank files quarterly Call Reports with the FDIC under Certificate #13748. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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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 4 points below the New York state average of 80 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 1593 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Upstate National Bank is 4 points below the portfolio average of 80.
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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #13748 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
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.