Bank · FDIC insured
Bank of Utica
Top CarrotA $1.5B bank headquartered in Utica, NY, with 1 branch in New York. Best rates: CDs 4.30% APY.
Bank of Utica Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#5 of 16 in Utica, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank of Utica
Bank of Utica is headquartered in Utica, New York.
- Headquarters
- 222 Genesee St, Utica, NY 13502
- FDIC certificate
- 13397 ↗
Branches
1 branch in New York
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New York
1 branch
- Bank of UticaMain office222 Genesee St, Utica, NY 13502Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 26.49% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.59% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 4.80% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $14 | $88 | — |
- CapitalLeverage ratio26.49%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.59%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets4.80%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$14Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank of Utica are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.