# UPSTATE NATIONAL BANK
OGDENSBURG, NY · FDIC certificate 13748 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $294.8M | |
| Deposits | $208.8M | |
| Loans and leases | $232.6M | |
| Total equity | $28.8M | |
| Loans / deposits | 110.27% (p97 of band) | 73.59% |
| Liquid assets / assets | 19.42% (p20 of band) | |
| Uninsured deposits / deposits | 10.20% (p15 of band) | 19.81% |
| Brokered deposits | 4.80% | |
| Wholesale funding | 23.79% (p97 of band) | |
| FHLB advances / assets | 19.00% | |
| Tier 1 leverage | 10.19% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -11.62% (p37 of band) | -6.57% |
| AOCI / equity | -0.47% (p46 of band) | |
| ROA (annualized) | 0.07% (p7 of band) | 1.17% |
| Net interest margin | 2.29% (p3 of band) | 3.93% |
| Efficiency ratio | 94.87% (p93 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 14.45% (p46 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 20.6% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 6 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2012-09 | 5 | capital falling | deposits shrinking, assets shrinking |
| 2012-12 | 1 |  | uninsured deposits leaving, losing money, expense ratio p90, capital falling |
| 2013-03 | 1 | expense ratio p90 | reserve under noncurrent |
| 2013-06 | 2 | capital falling, reserve under noncurrent | expense ratio p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 3 | losing money, expense ratio p90 |  |
| 2016-09 | 3 | loans exceed deposits | losing money |
| 2016-12 | 1 |  | expense ratio p90, loans exceed deposits |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2017-12 | 3 | deposits shrinking |  |
| 2018-03 | 4 | uninsured deposits leaving |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 | capital falling | deposits shrinking |
| 2018-12 | 5 | expense ratio p90 |  |
| 2019-03 | 2 |  | wholesale funding >15%, capital falling, expense ratio p90 |
| 2019-06 | 3 | wholesale funding >15% |  |
| 2019-09 | 4 | capital falling |  |
| 2019-12 | 4 | brokered >10% | uninsured deposits leaving |
| 2020-03 | 1 |  | loans exceed deposits, wholesale funding >15%, brokered >10% |
| 2020-06 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2020-09 | 3 |  | brokered >10% |
| 2020-12 | 2 |  | wholesale funding >15% |
| 2021-03 | 1 |  | loans exceed deposits |
| 2021-06 | 2 | loans exceed deposits |  |
| 2021-09 | 1 |  | loans exceed deposits |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2023-03 | 7 | brokered >10%, expense ratio p90, NIM <2.5% |  |
| 2023-06 | 7 |  |  |
| 2023-09 | 6 |  | capital falling |
| 2023-12 | 8 | losing money, deposits shrinking |  |
| 2024-03 | 9 | capital falling |  |
| 2024-06 | 9 | assets shrinking | capital falling |
| 2024-09 | 8 |  | uninsured deposits leaving |
| 2024-12 | 8 |  |  |
| 2025-03 | 7 |  | brokered >10% |
| 2025-06 | 7 |  |  |
| 2025-09 | 5 |  | deposits shrinking, assets shrinking |
| 2025-12 | 5 | capital falling | losing money |
| 2026-03 | 4 |  | capital falling |
| 2026-06 | 4 |  |  |

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

- 2022-04-06 [Upstate National Bank welcomes Emily Bristol to the North Country team - North Country Now](https://news.google.com/rss/articles/CBMiswFBVV95cUxQaFJhMmZPNHFsc0R3WGJjeWtwWnR5UEJHc2lqS0NOb0VGMEdCYzdramdlaGlCVDRUYXJOanVIbmlNcHA2dXA1YzZzT2tZOS13dUFjaFRrQmVhQS1nZ09vaU1lYXh0UXlmMTJhdlV6RzF2bklTY2xqV1NQcnNadTVPRDNBdkRGcGF3NnJ2RUlqYUo1ZWZSYU01X0MwazNKMHVub3gxQXlIbTF5UHBoUlpXLURIWQ?oc=5) · North Country Now
- 2020-04-02 [Buckingham renovates 3,895 s/f for The Upstate National Bank; Bank's corporate headquarters move to 150 State Street - New York Real Estate Journal](https://news.google.com/rss/articles/CBMiQ0FVX3lxTE1jaVR4bTJrRE5tSjgyTmRDWU1YNFBiMVZnNHVyWHk2ZGRqQ2FMSHFOenlzeXdwQ19MRU9KcndFckFrOHc?oc=5) · New York Real Estate Journal
- 2023-10-20 [Kathleen R Whelehan - rbj.net](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9idDNWaWpHbzZyNVFrcmxBdjZVNXM5Ny1kaEFwMktkZmxQSlcwc2Vuc0pDSnRhaDlpcHY2dkh2SFBzc3BBWUNrc24xVWh2WUFJREVjLU1STmx3OHc?oc=5) · rbj.net
- 2024-05-08 [Benjamin A. Jones Obituary Feb 27, 2016 - Lundy Funeral Home & Cremation Service, Inc.](https://news.google.com/rss/articles/CBMiakFVX3lxTE1HQU1FYll4clZ6cEd0SGdGNm5iSVltMVVOdUI1VmJkM3IyZFlGNndhWXZXNVlFMVdRLXlFenFGaDdhSUVVYjZnWGhNYVFnVWJSVEJLR191Nmk4NVZlS3pqOElCcVBaZ0taNkE?oc=5) · Lundy Funeral Home &amp; Cremation Service, Inc.
- 2019-11-21 [Lyn Matteson is banking on Liberty Bay Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNNzZZVnZUYXFYSGZZdDdvS0tnSUlFc3U1OXpIRkt1ZjVRMmt0RlM3YTI2R1pwX3pDRk84cWVtdWZHTEI2eXlYN3lCMmduZzZIWlJaNUVZbTB6NmlDdHFyNlQ5SmhjZEJoYWVBckxyTmI4SkwwN0dIOExabXNCbElGZm1Zam94QjBuNEs5ZmtKNTRtSUtXVksxcjB6anJ3NVRIRWtF?oc=5) · The Business Journals
- 2024-10-18 [Brian T Mauntel - rbj.net](https://news.google.com/rss/articles/CBMiVkFVX3lxTFByMXQwbzBQMnE1eGY3YUM3LWtOVXA3d08ycGNHcGwyRk1pOHEwa3hQdkRISVBwc3IyeVpPOVZmVDFhN3VlLV9NY3BZak4tbGxhT2d0M2NB?oc=5) · rbj.net
- 2022-12-30 [Donald F. Awan, 93, of Ogdensburg - WWNY](https://news.google.com/rss/articles/CBMib0FVX3lxTFBmYWtadXN5UDl3OVpPaDFfc0RuSVlUbDF6Nk8xM21vcklKd2JNOWwzcng0UE5ISjJ2Q3dKMEFRaEhaUm5aNlpxX3N5cnlsM1JyUEw0WC1PMHppUW9rQ3BTQm1TeEJpaXN0V2dvQ2p2MNIBgwFBVV95cUxOQnpqUkxSTl9rdHlHODdCUjZHemZFa2w4R05Sd3llWjVNTTh3Qmw0ZWdyQ2xpbHo2b1EzWTRXMXdTcU55dmY5OHlQUEdTSTItWWxHb3ExLWxMOF91OWtpY0lWOTFIUkNoa09pZlk4eGdmZFc1a0NCSWdFQV9oVHhIOTdtTQ?oc=5) · WWNY
- 2020-08-26 [Liberty Bay Credit Union outlines succession plan - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxQNWVSNzA0RC15Y2VsXzdkWUJPMExTM0o0WVNDTkJScEtiZ1pUaDFJc3hET0d4UTVRWDdLc3ZvTFh6SWFxaER6RDUxelR3ZS11MjZ3bGIzNklEaXFMc3hfRGhBT0tnNUZIUWM5UGdfNGVOLURtM1k4VVNkd3N2T3NPNUFxOWMwV0ZFLW5QWjRHT0M0TFdKT0FDS1Z5R3ZmZjA?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13748 (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/52.json (key "13748", 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