Total Assets
$277M
Total balance-sheet footings
FDIC Cert #13748 · Ogdensburg, New York · Est. 1922
The Upstate National Bank - FDIC Bank Health Profile
A community-scale look at The Upstate National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $277M
- Total assets
- B
- Health grade · Good
- 0.15%
- Return on assets
- 16.0%
- Tier 1 capital
Data updated July 2026
The verdict
The Upstate National Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 16.04% Tier 1, 0.15% ROA, 101% efficiency ratio.
- #2,610
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 16.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Upstate National Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Upstate National Bank's composite health score
Tier 1 Capital Ratio (16.04%) 40/40
Return on Assets (ROA) (0.15%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (100.51%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$191M
Customer-funded liabilities
Net Loans
$221M
Outstanding loan book
Net Income
$410K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Upstate National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Upstate National Bank's score of 67/100 falls in the highlighted band.
The Upstate National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Upstate National Bank's $277M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.04%
Texas Ratio
0.00%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.15%
Return on Equity (ROE)
1.49%
Efficiency Ratio
100.51%
What the numbers say about The Upstate National Bank
The Upstate National Bank is an FDIC-insured institution (Certificate #13748) headquartered in Ogdensburg, New York, established in 1922. It holds $277M in total assets - 2,610th of 4,313 FDIC-insured banks, $191M in customer deposits, and $221M in net loans. Looking at capital strength, Tier 1 stands at 16.04%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New York, The Upstate National Bank ranks 97th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$14M
Interest Income
$918K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Upstate National Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Upstate National Bank (FDIC Cert #13748) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is The Upstate National Bank's health grade?▼
The Upstate National Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Upstate National Bank?▼
The Upstate National Bank holds $277M in total assets and $191M in deposits, ranking 2,610th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ogdensburg, New York.
Is my money safe at The Upstate National Bank?▼
Yes, deposits at The Upstate National Bank (Certificate #13748) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Upstate National Bank's Tier 1 Capital Ratio?▼
The Upstate National Bank has a Tier 1 Capital Ratio of 16.04%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Upstate National Bank?▼
The Upstate National Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Upstate National Bank?▼
The Upstate National Bank has an Efficiency Ratio of 100.51%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Upstate National Bank's profile as a depositor or analyst.
- The Upstate National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Upstate National Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.