BlastPoint's Banking Scorecard

Bank of Utica

$1B-$10B Specialty: Other NY FDIC cert 13397

Designations: ✓ Community bank

Utica, NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
Deposits +3.0% year over year ($1.1B on the books).
Delinquency rate 0.60%.
Return on assets 4.80%.
Efficiency ratio 35.02% vs a 59.73% peer average.
Loan-to-deposit ratio 14.25% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY

View $1B-$10B leaderboard (NY) →

Bank of Utica has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 0.1% in tier
+ Efficiency Ratio 24.71% below tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.91% below tier average
- Non-Interest-Bearing Deposit Share 14.95% below tier average
- Non-Interest Income / Assets 0.51% below tier average

Get updates when Bank of Utica releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$1.5B +6.7% YoY +4.2% QoQ	-$1.3B	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$153.1M +20.4% YoY +5.8% QoQ	-$1.8B	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Bottom 0.9% in tier
Total Deposits ?	$1.1B +3.0% YoY +3.1% QoQ	-$1.2B	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	4.80% +201.9% YoY +57.0% QoQ	+3.41%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Top 1.0% in tier
Net Interest Margin ?	1.97% +9.9% YoY +2.8% QoQ	-1.91%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 1.8% in tier
Efficiency Ratio ?	35.02% -7.5% YoY -4.9% QoQ	-24.71%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Top 4.1% in tier
Delinquency Rate ?	0.60% -54.3% YoY -27.0% QoQ	-0.27%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	14.25% +16.9% YoY +2.6% QoQ	-70.78%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Top 1.1% in tier
Non-Interest-Bearing Deposit Share ?	6.32% -2.7% YoY +5.0% QoQ	-14.95%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Bottom 5.6% in tier
Nonperforming Asset Ratio ?	0.06% -48.5% YoY -25.9% QoQ	-0.61%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Top 10.1% in tier
Tier 1 Capital Ratio ?	26.49% +9.2% YoY +2.7% QoQ	+11.65%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 3.4% in tier
Non-Interest Income / Assets ?	0.02% -21.7% YoY +79.2% QoQ	-0.51%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 1.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	6.3% -0.2pp YoY +0.3pp QoQ	-15.0pp	21.4%	22.1%	22.2%	5%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	70.6% +5.1pp YoY +2.4pp QoQ	+56.6pp	14.0%	11.0%	12.5%	100%
CRE	n/a	n/a	50.0%	46.2%	41.4%	n/a
1-4 Family	1.1% -0.3pp YoY -0.1pp QoQ	-25.3pp	26.4%	36.6%	31.3%	2%
Consumer	3.8% -1.3pp YoY -0.6pp QoQ	-0.9pp	4.7%	5.1%	5.0%	77%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	26.1%	19.7%	n/a
Leverage Ratio	26.5% +2.2pp YoY +0.7pp QoQ	+15.2pp	11.3%	13.9%	12.6%	99%
Total Capital Ratio	n/a	n/a	16.7%	27.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	44 -1 (-2.2%) YoY 0 QoQ	-270	313	914	482	0%
Assets per Employee ($)	$34.3M +9.1% YoY +4.2% QoQ	+$23.8M	$10.5M	$14.8M	$8.8M	98%
Branch Count	1 0 YoY 0 QoQ	-19	20	27	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.6% +0.4pp YoY -0.2pp QoQ	-0.2pp	0.8%	1.3%	1.0%	57%
Allowance Coverage	1.40x +103.0% YoY +2.2% QoQ	-17.31x	18.71x	1.92x	20.23x	36%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	18.7% +12.0pp YoY +6.7pp QoQ	+6.1pp	12.6%	7.9%	11.6%	88%
Cost of Funds (YTD)	2.0% 0.0pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.8%	1.7%	56%
Net Income ($, YTD)	$34.9M +211.9% YoY — QoQ	+$15.7M	$19.2M	$111.2M	$40.4M	86%

Get Full Access to Bank of Utica

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#1 of 222 • Top 0.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 4.80%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 4.80%

Peer Median: 1.39%

#10 of 885 Top 1.0% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 14.25%

Peer Median: 85.04%

#11 of 885 Top 1.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 26.49%

Peer Median: 14.84%

#31 of 885 Top 3.4% in $1B-$10B

Efficiency Ratio

profitability

Value: 35.02%

Peer Median: 59.73%

#37 of 885 Top 4.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#90 of 885 Top 10.1% in $1B-$10B

Top Weaknesses (5 metrics)

878

Total Loans

size

Value: $153.05M

Peer Median: $1.96B

#878 of 885 Bottom 0.9% in $1B-$10B

872

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.53%

#872 of 885 Bottom 1.6% in $1B-$10B

870

Net Interest Margin

profitability

Value: 1.97%

Peer Median: 3.87%

#870 of 885 Bottom 1.8% in $1B-$10B

836

Non-Interest-Bearing Deposit Share

funding

Value: 6.32%

Peer Median: 21.27%

#836 of 885 Bottom 5.6% in $1B-$10B

698

Total Deposits

size

Value: $1.07B

Peer Median: $2.32B

#698 of 885 Bottom 21.2% in $1B-$10B