BlastPoint's Banking Scorecard
The Upstate National Bank
Ogdensburg, NY
4 branches across NY
The Upstate National Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 31.6% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.21% below tier average
- - Net Interest Margin 1.93% below tier average
- - Efficiency Ratio 29.38% above tier average
- - Loan-to-Deposit Ratio 35.88% above tier average
- - Non-Interest Income / Assets 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$285.2M
+6.1% YoY
+3.1% QoQ
|
-$100.9M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$224.3M
+2.1% YoY
+1.5% QoQ
|
-$31.4M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$199.4M
+13.5% YoY
+4.6% QoQ
|
-$128.6M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.06%
+109.1% YoY
-60.7% QoQ
|
-1.21% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.0% in tier |
| Net Interest Margin ? |
2.00%
+33.9% YoY
+8.8% QoQ
|
-1.93% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio ? |
94.66%
-38.5% YoY
-5.8% QoQ
|
+29.38% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
112.52%
-10.0% YoY
-3.0% QoQ
|
+35.88% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.25%
+5.4% YoY
+11.8% QoQ
|
-5.77% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.71%
-28.0% YoY
-33.3% QoQ
|
-5.12% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.01%
+15.5% YoY
-96.0% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.2% 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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.