BlastPoint's Banking Scorecard
Bank of Utica
Community
Specialty: Other
NY
FDIC cert 13397
Utica, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Bank of Utica has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 3% in Community
- + Efficiency Ratio 25.90% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 21% in Community
- - Net Interest Margin 1.84% below tier
- - Loan-to-Deposit Ratio 69.09% below tier
- - Non-Interest-Bearing Deposit Share 14.94% below tier
- - Non-Interest Income / Assets 0.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+1.2% YoY
-1.9% QoQ
|
+$13.9M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$141.2M
+14.5% YoY
+6.2% QoQ
|
-$834.3M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$1.0B
-1.6% YoY
-3.6% QoQ
|
-$154.4M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
2.31%
+53.3% YoY
+5.6% QoQ
|
+1.14% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
1.83%
+11.7% YoY
+1.3% QoQ
|
-1.84% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
36.73%
-14.3% YoY
-2.3% QoQ
|
-25.90% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.67%
-41.5% YoY
-64.2% QoQ
|
+0.05% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
13.97%
+16.4% YoY
+10.1% QoQ
|
-69.09% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.11%
-0.7% YoY
-21.5% QoQ
|
-14.94% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-33.9% YoY
-61.3% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.02%
+19.1% YoY
-24.0% QoQ
|
-0.72% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#11 of 371 · Top 3% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.31%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
36.73%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (5)
Capital Thin
risk
#93 of 432 · Bottom 21% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.83%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
13.97%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.11%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Efficiency Ratio
Current: 36.73% · Tier avg: 62.63%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.16%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.11% · Tier avg: 21.05%
1
1th pctile
Net Interest Margin
Current: 1.83% · Tier avg: 3.66%
1
1th pctile
Total Loans
Current: $141.2M · Tier avg: $975.5M
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
0
0th pctile
Loan-to-Deposit Ratio
Current: 13.97% · Tier avg: 83.06%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 13.97% · Tier avg: 83.06%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
1
1th pctile
Total Loans
Current: $141.2M · Tier avg: $975.5M
1
1th pctile
Net Interest Margin
Current: 1.83% · Tier avg: 3.66%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.11% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.16%
97
97th pctile
Efficiency Ratio
Current: 36.73% · Tier avg: 62.63%