Banks | Bank of Utica
Language
resources/views/banks/institution.blade.php

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.

Deposit Rates - August 12, 2026

SAVINGS RATES APY MIN
SAV
2.00% $100 Compare
CD RATES APY MIN
6 Mo CD
4.00% $500 Compare
12 Mo CD
4.00% $500 Compare
24 Mo CD
4.00% $500 Compare
36 Mo CD
4.00% $500 Compare
48 Mo CD
4.00% $500 Compare
60 Mo CD
4.00% $500 Compare
VARIABLE IRA RATES APY MIN
VIRA
1.90% $1
INT CHECKING RATES APY MIN
INTCK
0.10% $500




Loan Rates - August 12, 2026

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
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
10 Year Loan
6.12% $1,116.24
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
5 Year
5.00% $471.78

Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13397
Date Established 1927
Assets $ 1,405.37 million
Loans $ 141.18 million
Deposits $ 1,010.25 million
Capital $ 359.13 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 46.88 million
Interest-bearing balances $ 43.05 million
Total securities $ 1,189.42 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 141.18 million
Loan loss allowance $ 1.14 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 $ 1,046.24 million

LIABILITIES
Total deposits $ 1,010.25 million
      Interest-bearing deposits $ 948.54 million
      Deposits held in domestic offices $ 1,010.25 million
      % insured (estimated)" 68.10%
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 $ 1,046.24 million
      Shareholders’ Equity $ 359.13 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 52.29 million
Total Interest Expense $ 27.14 million
Net interest income $ 25.15 million
Provision for loan and lease losses $ 0.20 million
Total non interest income $ 0.34 million
Total non interest expense $ 9.36 million
Pre-tax Net Operating Income $ 10.01 million

Customer Reviews for Bank of Utica

There are currently no comments for Bank of Utica. Be the first to share your experience. Please provide comments that will help others.

Add Your Review


Rate it here →


Branches

Click on location and enter new zip number to change."
Your current location is: New York City, NY

Bank of Utica Locations

Other Banks to Consider