Bank of Utica
ACH Number: 21311383
Bank of Utica is an FDIC insured institution headquartered at
222 Genesee St, Utica, NY 13502.
It was founded in
1927 and has approximately $1 billion in assets. Customers can open an account at one of its 1 branches.
It was founded in 1927 and has approximately $1 billion in assets. Customers can open an account at one of its 1 branches.
Deposit Rates - November 10, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
1.60% | $100 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
5.00% | $500 | Compare |
|
12 Mo CD
|
4.15% | $500 | Compare |
|
24 Mo CD
|
4.15% | $500 | Compare |
|
36 Mo CD
|
4.15% | $500 | Compare |
|
48 Mo CD
|
4.15% | $500 | Compare |
|
60 Mo CD
|
4.15% | $500 | Compare |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
Var IRA
|
1.50% | $1 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.10% | $500 |
Loan Rates - November 10, 2025
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
7.62% | $2,988.30 |
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
7.62% | $2,988.30 |
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
10 Year Loan
|
6.12% | $1,116.24 |
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year
|
5.00% | $471.78 |
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 13397 |
| Date Established | 1927 |
| Assets | $ 1,414.09 million |
| Loans | $ 127.10 million |
| Deposits | $ 1,042.41 million |
| Capital | $ 340.21 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 65.97 million |
| Interest-bearing balances | $ 61.05 million |
| Total securities | $ 1,188.56 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 127.10 million |
| Loan loss allowance | $ 1.15 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 18.78 million |
| Total Assets | $ 1,073.88 million |
| LIABILITIES | |
| Total deposits | $ 1,042.41 million |
| Interest-bearing deposits | $ 974.70 million |
| Deposits held in domestic offices | $ 1,042.41 million |
| % insured (estimated)" | 65.69% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 22.30 millionn |
| Total Liabilities | $ 1,073.88 million |
| Shareholders’ Equity | $ 340.21 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 25.80 million |
| Total Interest Expense | $ 13.55 million |
| Net interest income | $ 12.25 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.30 million |
| Total non interest expense | $ 4.76 million |
| Pre-tax Net Operating Income | $ 10.01 million |
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