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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 - March 29, 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 - March 29, 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 $ 1,432.17 million
Loans $ 132.97 million
Deposits $ 1,048.03 million
Capital $ 352.16 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 61.20 million
Interest-bearing balances $ 56.92 million
Total securities $ 1,204.31 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 132.97 million
Loan loss allowance $ 1.09 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 $ 1,080.01 million

LIABILITIES
Total deposits $ 1,048.03 million
      Interest-bearing deposits $ 966.50 million
      Deposits held in domestic offices $ 1,048.03 million
      % insured (estimated)" 64.87%
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 $ 1,080.01 million
      Shareholders’ Equity $ 352.16 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 39.01 million
Total Interest Expense $ 20.37 million
Net interest income $ 18.64 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.46 million
Total non interest expense $ 7.18 million
Pre-tax Net Operating Income $ 10.01 million

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