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Regulatory profile
Utica, NY · FDIC certificate #28380
Performance workbook
Open the interactive workbook to compare reported quarterly history with national, asset-band and state peers.
Peer interpretation
$1B–$10B asset cohort · 902 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $1.0B | $0.9B | $0.6B | -2.12% | -29.99% | 3.76% |
| 2026-03-31 | $1.0B | $0.9B | $0.6B | 0.19% | 2.52% | 3.87% |
| 2025-09-30 | $1.0B | $0.9B | $0.6B | 0.42% | 5.95% | 3.77% |
| 2022-09-30 | $1.0B | $0.9B | $0.6B | 0.29% | 4.54% | 2.91% |
| 2022-03-31 | $1.1B | $0.9B | $0.5B | 0.13% | 1.90% | 2.58% |
| 2021-09-30 | $1.1B | $0.9B | $0.5B | 0.39% | 5.43% | 2.51% |
| 2021-06-30 | $1.1B | $0.9B | $0.5B | 0.33% | 4.63% | 2.56% |
| 2021-03-31 | $1.1B | $0.9B | $0.6B | 0.39% | 5.40% | 2.65% |
| 2020-09-30 | $1.0B | $0.8B | $0.6B | 0.30% | 3.93% | 3.15% |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
None matched.
None matched.
No reviewed revisions published.
Latest registered batch · retrieved 8/27/2026, 10:51:00 AM · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.