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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 - December 26, 2025

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 - December 26, 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 $ 1,414.09 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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Branches

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Bank of Utica Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Bank of Utica
    Bank
    -
    $50,000
    N.A.
    2.00%
    8.89x (National Avg. - 0.23%)
    $100
    -
    SCENARIO
    Year Rate
    2.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,000 700
    2 51,000 1,020 714
    3 52,020 1,040 728
    4 53,060 1,061 743
    5 54,122 1,082 758
    6 55,204 1,104 773
    7 56,308 1,126 788
    8 57,434 1,149 804
    9 58,583 1,172 820
    10 59,755 1,195 837
    11 60,950 1,219 853
    12 62,169 1,243 870
    13 63,412 1,268 888
    14 64,680 1,294 906
    15 65,974 1,319 924
    16 67,293 1,346 942
    17 68,639 1,373 961
    18 70,012 1,400 980
    19 71,412 1,428 1,000
    20 72,841 1,457 1,020
    TOTAL $24,297 $17,008
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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