Banks | Bank of Utica

Bank of Utica

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 - July 25, 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 - July 25, 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

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 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 13397
Date Established	1927
Assets	$ 1,418.62 million
Loans	$ 124.12 million
Deposits	$ 1,056.02 million
Capital	$ 334.54 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 67.04 million
Interest-bearing balances	$ 61.88 million
Total securities	$ 1,194.37 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 124.12 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	$ 1,084.08 million

LIABILITIES
Total deposits	$ 1,056.02 million
Interest-bearing deposits	$ 991.73 million
Deposits held in domestic offices	$ 1,056.02 million
% insured (estimated)"	64.80%
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	$ 1,084.08 million
Shareholders’ Equity	$ 334.54 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 12.49 million
Total Interest Expense	$ 6.71 million
Net interest income	$ 5.79 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 0.16 million
Total non interest expense	$ 2.42 million
Pre-tax Net Operating Income	$ 10.01 million

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Branches

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