Bank · FDIC insured
Upstate National Bank
A $294.8M bank headquartered in Ogdensburg, NY, with 3 branches in New York. Best rates: CDs 3.85% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.85%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Upstate National Bank
Founded in 1922, Upstate National Bank is a nationally chartered community bank headquartered in Rochester, New York.
The bank serves Rochester, Buffalo, Syracuse, Ogdensburg, and Philadelphia, specializing in servicing the investment and capital borrowing needs of small and medium-size businesses, entrepreneurs, and professionals.
- Headquarters
- 729 Proctor Ave, Ogdensburg, NY 13669
- FDIC certificate
- 13748 ↗
Branches
3 branches in New York
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New York
3 branches
Ogdensburg area · 1
- The Upstate National BankMain office729 Proctor Ave, Ogdensburg, NY 13669Directions
Philadelphia area · 1
- Philadelphia Branch77 Main Street, Philadelphia, NY 13673Directions
Rochester area · 1
- Rochester Branch150 State St Fl 3, Rochester, NY 14614Directions
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 | 10.19% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.07% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $111 | $81 | — |
- CapitalLeverage ratio10.19%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.07%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$111Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Upstate National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.