🏦Bank Scorer

BANK OF UTICA

UTICA, NY · Supervised by FDIC

Est. 1927FDIC #13,397RSSD: FDIC-13397
Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 3.06%

Institution Profile

FDIC BankFind

Address

222 Genesee St, UTICA, NY

County

Oneida County

Established

April 23, 1927

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.0B

Net Loans

$145M

Net Income

$11M

ROA

3.06%

ROE

11.97%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$1.0B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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