BlastPoint's Banking Scorecard
Bank of Utica
Designations: ✓ Community bank
Utica, NY
Bank of Utica has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 0.1% in tier
- + Efficiency Ratio 24.24% below tier average
- + Delinquency Rate 0.07% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.91% below tier average
- - Non-Interest-Bearing Deposit Share 15.27% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+2.0% YoY
+3.0% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$144.7M
+16.6% YoY
+2.5% QoQ
|
-$1.8B |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 0.9% in tier |
| Total Deposits ? |
$1.0B
-1.3% YoY
+3.1% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
3.06%
+240.9% YoY
+32.6% QoQ
|
+1.69% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Top 2.3% in tier |
| Net Interest Margin ? |
1.91%
+12.9% YoY
+4.5% QoQ
|
-1.91% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio ? |
36.82%
-9.6% YoY
+0.2% QoQ
|
-24.24% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Top 5.3% in tier |
| Delinquency Rate ? |
0.82%
-26.8% YoY
+21.7% QoQ
|
-0.07% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
13.89%
+18.1% YoY
-0.6% QoQ
|
-70.32% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 0.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.02%
-1.1% YoY
-1.5% QoQ
|
-15.27% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.3% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-16.4% YoY
+21.0% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Top 11.8% in tier |
| Tier 1 Capital Ratio ? |
25.79%
+7.4% YoY
+0.9% QoQ
|
+10.63% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 3.7% in tier |
| Non-Interest Income / Assets ? |
0.01%
-15.1% YoY
-61.3% QoQ
|
-0.25% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.7% in tier |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.