# BANK OF UTICA
UTICA, NY · FDIC certificate 13397 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.51B | |
| Deposits | $1.07B | |
| Loans and leases | $154.3M | |
| Total equity | $391.6M | |
| Loans / deposits | 14.25% (p2 of band) | 87.10% |
| Liquid assets / assets | 87.96% (p99 of band) | |
| Uninsured deposits / deposits | 34.53% (p60 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 26.49% (p99 of band) | 10.50% |
| Unrealized securities loss / equity | -57.19% (p2 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 4.80% (p99 of band) | 1.26% |
| Net interest margin | 1.97% (p3 of band) | 3.70% |
| Efficiency ratio | 35.02% (p5 of band) | |
| Noncurrent loans | 0.59% (p56 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 139.80% | |
| Real estate % of loans | 25% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $1.5M (0.98% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 3 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | uninsured deposits leaving |  |
| 2016-06 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2016-09 | 1 |  | noncurrent p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2017-06 | 3 |  | charge-offs p90 |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 4 | securities losses >30% of equity, losing money |  |
| 2018-06 | 4 | reserve under noncurrent | losing money |
| 2018-09 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | securities losses >30% of equity |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2020-03 | 4 | securities losses >30% of equity, losing money | noncurrent p90 |
| 2020-06 | 2 | capital falling | reserve under noncurrent, securities losses >30% of equity, losing money |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | securities losses >30% of equity |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | losing money |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking | losing money |
| 2023-03 | 5 | uninsured deposits leaving |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2024-09 | 3 | reserve under noncurrent | deposits shrinking |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 4 | noncurrent p90 |  |
| 2025-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-23 [BKUT | BANK OF UTICA NY Insider Trading - Quiver Quantitative](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1yNWJzMnlXX0d3bG94bXVpQkdJYmcyT2E3bDYxU0JoZGdoRGpjb0s0M0NhMGZTeGRJeHA0VjEydEhvWGxKaUc2U0RvVVp2dmtBa2JEcDlUdzFCenNx?oc=5) · Quiver Quantitative
- 2026-02-26 [Is the Adirondack Bank Center’s Name About to Change? - WIBX 950](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5pWkJPTy1UbXY2dEFfd0EtQnh1TUo5T2pSZFFOVmE5WFJtZ080R0pSU194NGp3QzZILVhmQW1VQjhUSzQ0a0lJNUM5SGstM0hoa1Rha2kwQlBJeExnZklLT1NoX0NTdw?oc=5) · WIBX 950
- 2026-08-01 [Bank of Utica (NY) Revenue Breakdown – OTC:BKUT - TradingView](https://news.google.com/rss/articles/CBMic0FVX3lxTFBXX2lUb0JEWVJ2UDE0NEQtNTVJSVQ3SjF2eG0zbXg4dEdtNTA2T3Roc3FfYW5GVEJILWk0c0pSYUt5SUMtUnJsUGdYNzk2NEczTXFnLXZHSEFDcTlsWVZvSkVWU0hTLVFycXA3LThUdzhSUEU?oc=5) · TradingView
- 2026-01-01 [The City of Utica celebrates during New Year's Eve - Utica Observer Dispatch](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPWW5sVDlpLU5VeXcyaERVRnFodGN3ckV5bzJ3Y3MzQk41bGlKLXA2Q3czSWJsUk1MMHBadDRMdm9kb2ZSVnB6czN1OTNrQUZsMXR6VGFqSHItaTlkYlN0QXZtWV8tQzQtVi1GeDNESzNPYUFfNGRhZXB4RzFBeFIwYTg0dTVveXMxS0JTSHZILXUzYnhwLWpNMkxrZmxXRzBobGMtOEUwQmFhUm1jNGpaT0NCYlNTUVJmTUVKVnhMc1JxWWljeFVqWUZGeGNubEhlQ0E?oc=5) · Utica Observer Dispatch
- 2025-12-30 [Preparation Begins for Utica's Downtown New Year's Eve Party - wktv.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPMDlYUE9OT25tSmc3dXZfMFpHRGNQYUVtdnVDa3dSVTU4TG5OMk5JdlZtUlhaeU94R0V4MFB5UG05cUF3X0Q5T3pZNXBxNEFJcTVoYjc3anJWWWpsUzJ3TWx0WnVVT2x6QktqSG5Fcm5iMG0xUEhjcWpncUktN3VaaEVCSVFzWHBfR19ZSlF5WFp2Y2NCLWFDTlVLRGo4eWppLVBuZ2pnbUUzdGFVYXVmdDRnMHVRU3hhb1lfOVgxczhUdjlValY0STU5anJMUEpaM0JJWThicnhyMzZMSEVfdWRR?oc=5) · wktv.com
- 2026-01-14 [Bank Utica Ny Nonvtg (OTC: BKUTK) Stock Price, News & Analysis - kalkine.ca](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5wcXUzOHVMS0ZqQW9xcnZZMFVZSFVtOHRyUy1kMnE1elFEN3BOVWRKemVxZXQ0TnRSSkdscXY4c1FBUk5OWHl2WmRPdzJKUQ?oc=5) · kalkine.ca
- 2025-12-30 [What to do on New Year's Eve in Central New York - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNR1ZuNVdXZjg0Y1JBbW03ZU5oSjJMNGZ3RUM1bGtTRGlfQ1pwUERwZHZOZkQ3bDZ3TWxoa3RINWlaM25maGU1Vy1mTUQ2SjdDX3BDck5RNG9LSlNVRmhvZGR4Uy1UcGlYOS1FcGdhczZXd09IVjM5WS0tZmdfaWdZNlBySzU1d1JXZTFod28tMl9XS1pDc3hlRGh0VjhLMkxmcFE?oc=5) · spectrumlocalnews.com
- 2025-12-18 [New Year's Eve parties happening around Central New York - Rome Sentinel](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPalZSRko4TTIyNXhSV0NFeDEyUVpUQ0NyUVBhYy0wYS1lYnB0eVlNX0JoWHF4cS1zZlQ5cDFQWUhwYU9qNU9lNkd4THJNUHY3MFBESEJXaVM3OG90NjFMSFlzZC1XelowNUhTZ0d5bThVQ2tNbG9KSzN3VkVBc3VadEhKZ1hXT1R2SW5wOTVsa2dLdngtUmxodDlLTW5VemZRUXBzWkdtamZieTdjTUxXX09QVTM2VXZDZENR?oc=5) · Rome Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13397 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "13397", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide