BlastPoint's Banking Scorecard
The Upstate National Bank
Micro
Specialty: Commercial
NY
FDIC cert 13748
Designations: ✓ Community bank
Ogdensburg, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
The Upstate National Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 41.51% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier
- - Net Interest Margin 2.01% below tier
- - Efficiency Ratio 32.78% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$276.6M
+5.0% YoY
-0.2% QoQ
|
+$59.1M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$221.1M
+1.9% YoY
+1.7% QoQ
|
+$81.9M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$190.6M
+11.7% YoY
+3.2% QoQ
|
+$6.9M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.15%
+115.4% YoY
+249.0% QoQ
|
-0.93% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
1.84%
+36.3% YoY
+4.4% QoQ
|
-2.01% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
100.51%
-44.4% YoY
-12.8% QoQ
|
+32.78% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
116.03%
-8.8% YoY
-1.5% QoQ
|
+41.51% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.54%
+13.0% YoY
+0.6% QoQ
|
-7.85% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.05%
+7.1% YoY
+2.5% QoQ
|
+7.20% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.33%
+212.3% YoY
+108.0% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
116.03%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.84%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
100.51%
(Tier avg: 67.73%, National avg: 65.09%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Loan-to-Deposit Ratio
Current: 116.03% · Tier avg: 74.53%
79
79th pctile
Total Loans
Current: $221.1M · Tier avg: $139.2M
76
76th pctile
Tier 1 Capital Ratio
Current: 16.05% · Tier avg: 8.85%
67
67th pctile
Total Assets
Current: $276.6M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $190.6M · Tier avg: $183.7M
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.54% · Tier avg: 22.39%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 100.51% · Tier avg: 67.73%
2
2th pctile
Net Interest Margin
Current: 1.84% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 1.84% · Tier avg: 3.85%
5
5th pctile
Efficiency Ratio
Current: 100.51% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.54% · Tier avg: 22.39%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
57
57th pctile
Total Deposits
Current: $190.6M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $276.6M · Tier avg: $217.5M
76
76th pctile
Tier 1 Capital Ratio
Current: 16.05% · Tier avg: 8.85%
79
79th pctile
Total Loans
Current: $221.1M · Tier avg: $139.2M
98
98th pctile
Loan-to-Deposit Ratio
Current: 116.03% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%