BlastPoint's Banking Scorecard

The Upstate National Bank

$100M-$1B Specialty: Commercial NY FDIC cert 13748

Ogdensburg, NY

4 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits +20.6% year over year ($208.8M on the books).
Delinquency rate 0.00%.
Return on assets 0.07%.
Efficiency ratio 94.87% vs a 64.48% peer average.
Loan-to-deposit ratio 110.27% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

The Upstate National Bank has 2 strengths but faces 5 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

+ Credit Quality Leader: Top 29.4% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.26% below tier average
- Net Interest Margin 1.70% below tier average
- Efficiency Ratio 30.39% above tier average
- Loan-to-Deposit Ratio 32.32% above tier average
- Non-Interest Income / Assets 0.54% below tier average

Get updates when The Upstate National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$294.8M +12.4% YoY +3.4% QoQ	-$91.8M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$230.3M +8.6% YoY +2.7% QoQ	-$28.1M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$208.8M +20.6% YoY +4.7% QoQ	-$117.9M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	0.07% +136.6% YoY +315.9% QoQ	-1.26%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 3.9% in tier
Net Interest Margin ?	2.29% +28.7% YoY +4.9% QoQ	-1.70%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 1.8% in tier
Efficiency Ratio ?	94.87% -19.6% YoY -3.1% QoQ	+30.39%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 3.3% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	110.27% -9.9% YoY -2.0% QoQ	+32.32%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 2.8% in tier
Non-Interest-Bearing Deposit Share ?	13.96% -4.5% YoY -14.1% QoQ	-8.07%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.34% -3.7% YoY -3.0% QoQ	-0.57%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.03% -77.7% YoY +124.0% QoQ	-0.54%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 2.7% 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	14.0% -0.7pp YoY -2.3pp QoQ	-8.2pp	22.1%	22.1%	22.2%	20%
Brokered Deposits	6.8% -4.6pp YoY +2.5pp QoQ	-1.1pp	7.9%	8.0%	8.5%	63%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	3.5% +0.4pp YoY -0.3pp QoQ	-8.1pp	11.6%	11.0%	12.5%	12%
CRE	51.6% +2.4pp YoY +0.4pp QoQ	+12.1pp	39.5%	46.2%	41.4%	73%
1-4 Family	45.9% -3.1pp YoY -0.1pp QoQ	+13.2pp	32.6%	36.6%	31.3%	78%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	5.1%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	15.3% -0.6pp YoY -0.5pp QoQ	-3.5pp	18.8%	26.1%	19.7%	52%
Leverage Ratio	10.2% -0.6pp YoY -0.5pp QoQ	-2.0pp	12.2%	13.9%	12.6%	35%
Total Capital Ratio	16.5% -0.7pp YoY -0.5pp QoQ	-3.4pp	19.9%	27.2%	20.8%	53%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	24 +1 (+4.3%) YoY +2 (+9.1%) QoQ	-35	58	914	482	17%
Assets per Employee ($)	$12.3M +7.7% YoY -5.2% QoQ	+$4.8M	$7.5M	$14.8M	$8.8M	93%
Branch Count	4 0 YoY 0 QoQ	-1	4	27	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.3%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	1.92x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	27%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	0.6% +2.4pp YoY +0.5pp QoQ	-11.6pp	12.2%	7.9%	11.6%	4%
Cost of Funds (YTD)	3.3% -0.3pp YoY 0.0pp QoQ	+1.5pp	1.7%	1.8%	1.7%	99%
Net Income ($, YTD)	$93,000 +139.4% YoY — QoQ	-$2.5M	$2.6M	$111.2M	$40.4M	4%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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)

Credit Quality Leader

growth

#195 of 659 • Top 29.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2596

Net Interest Margin

profitability

Value: 2.29%

Peer Median: 3.99%

#2596 of 2643 Bottom 1.8% in $100M-$1B

2573

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.57%

#2573 of 2643 Bottom 2.7% in $100M-$1B

2569

Loan-to-Deposit Ratio

liquidity

Value: 110.27%

Peer Median: 77.95%

#2569 of 2643 Bottom 2.8% in $100M-$1B

2558

Efficiency Ratio

profitability

Value: 94.87%

Peer Median: 64.48%

#2558 of 2643 Bottom 3.3% in $100M-$1B

2542

Return on Assets

profitability

Value: 0.07%

Peer Median: 1.32%

#2542 of 2643 Bottom 3.9% in $100M-$1B

2096

Non-Interest-Bearing Deposit Share

funding

Value: 13.96%

Peer Median: 22.03%

#2096 of 2643 Bottom 20.7% in $100M-$1B