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Regulatory profile
Utica, NY · FDIC certificate #13397 · RSSD 254317
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 | $1.5B | $1.1B | $0.2B | 4.80% | 18.69% | 1.97% |
| 2026-03-31 | $1.4B | $1.0B | $0.1B | 3.06% | 11.97% | 1.91% |
| 2025-12-31 | $1.4B | $1.0B | $0.1B | 2.31% | 9.48% | 1.83% |
| 2025-09-30 | $1.4B | $1.0B | $0.1B | 2.18% | 9.09% | 1.81% |
| 2025-06-30 | $1.4B | $1.0B | $0.1B | 1.59% | 6.67% | 1.79% |
| 2025-03-31 | $1.4B | $1.1B | $0.1B | 0.90% | 3.78% | 1.69% |
| 2024-12-31 | $1.4B | $1.0B | $0.1B | 1.50% | 6.10% | 1.64% |
| 2024-09-30 | $1.4B | $1.0B | $0.1B | 2.34% | 9.41% | 1.64% |
| 2024-06-30 | $1.3B | $1.0B | $0.1B | 1.97% | 7.93% | 1.61% |
| 2024-03-31 | $1.3B | $0.9B | $0.1B | 4.48% | 18.00% | 1.58% |
| 2023-12-31 | $1.3B | $1.0B | $0.1B | 1.40% | 6.14% | 1.80% |
| 2023-09-30 | $1.3B | $1.0B | $0.1B | 0.92% | 4.11% | 1.81% |
| 2023-06-30 | $1.4B | $1.0B | $0.1B | 0.96% | 4.39% | 1.83% |
| 2023-03-31 | $1.4B | $1.1B | $0.1B | 0.08% | 0.38% | 1.87% |
| 2022-12-31 | $1.4B | $1.1B | $0.1B | 0.77% | 3.92% | 1.93% |
| 2022-09-30 | $1.5B | $1.2B | $0.1B | -0.34% | -1.78% | 1.92% |
| 2022-06-30 | $1.5B | $1.2B | $0.1B | -0.41% | -2.14% | 1.89% |
| 2022-03-31 | $1.6B | $1.2B | $0.1B | 2.06% | 10.59% | 1.83% |
| 2021-12-31 | $1.5B | $1.2B | $0.1B | 2.64% | 13.77% | 1.92% |
| 2021-09-30 | $1.5B | $1.2B | $0.1B | 2.30% | 12.03% | 1.96% |
| 2021-06-30 | $1.5B | $1.2B | $0.1B | 2.68% | 13.94% | 2.00% |
| 2021-03-31 | $1.4B | $1.1B | $0.1B | 4.66% | 24.09% | 2.01% |
| 2020-12-31 | $1.3B | $1.1B | $0.1B | 1.95% | 9.90% | 1.93% |
| 2020-09-30 | $1.3B | $1.0B | $0.1B | 0.94% | 4.76% | 1.91% |
| 2020-06-30 | $1.3B | $1.0B | $0.1B | 0.04% | 0.19% | 1.89% |
| 2020-03-31 | $1.2B | $0.9B | $0.1B | -3.81% | -18.59% | 1.64% |
| 2019-12-31 | $1.1B | $0.9B | $0.1B | 1.90% | 9.12% | 1.67% |
| 2019-09-30 | $1.1B | $0.9B | $0.1B | 1.62% | 7.82% | 1.67% |
| 2019-06-30 | $1.1B | $0.9B | $0.1B | 2.00% | 9.64% | 1.65% |
| 2019-03-31 | $1.1B | $0.9B | $0.1B | 2.85% | 13.66% | 1.69% |
| 2018-12-31 | $1.1B | $0.8B | $0.1B | 0.58% | 2.79% | 1.83% |
| 2018-09-30 | $1.1B | $0.8B | $0.1B | 1.27% | 6.05% | 1.83% |
| 2018-06-30 | $1.1B | $0.8B | $0.1B | 0.54% | 2.62% | 1.81% |
| 2018-03-31 | $1.1B | $0.8B | $0.1B | -0.26% | -1.25% | 1.77% |
| 2017-12-31 | $1.1B | $0.8B | $0.1B | 1.79% | 9.18% | 1.89% |
| 2017-09-30 | $1.1B | $0.8B | $0.1B | 1.21% | 6.33% | 1.88% |
| 2017-06-30 | $1.1B | $0.9B | $0.1B | 0.96% | 5.07% | 1.87% |
| 2017-03-31 | $1.1B | $0.8B | $0.1B | 0.93% | 4.87% | 1.86% |
| 2016-12-31 | $1.1B | $0.8B | $0.1B | 1.06% | 5.65% | 1.89% |
| 2016-09-30 | $1.0B | $0.8B | $0.1B | 1.02% | 5.42% | 1.88% |
| 2016-06-30 | $1.0B | $0.8B | $0.1B | 1.00% | 5.32% | 1.87% |
| 2016-03-31 | $1.0B | $0.8B | $0.1B | 1.07% | 5.72% | 1.85% |
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.