The Upstate National Bank is a bank based in Ogdensburg, New York, established in 1922, with $285 million in total assets across 4 branches. By Trust Grade it ranks 77th of 118 banks we track in New York. Its capital ratio of 10.1% trails most similarly sized banks (49th percentile), versus a New York median of 10.4%. It was profitable over the most recent period, with a 0.06% return on assets. No consumer complaints against The Upstate National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Upstate National Bank compares to New York peers
How we graded The Upstate National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.1% capital ratio)
- Profitable (ROA 0.06%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Upstate National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 77 Main Street, Philadelphia, NY 13673
- 150 State St Fl 3, Rochester, NY 14614
- 1 W Main St, Rochester, NY 14614
- 729 Proctor Ave, Ogdensburg, NY 13669
Are deposits at The Upstate National Bank insured?
Yes. The Upstate National Bank is an FDIC-insured bank (FDIC certificate #13748). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Upstate National Bank: frequently asked questions
Is The Upstate National Bank a good bank?
The Upstate National Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (10.1% capital ratio); Profitable (ROA 0.06%).
Is The Upstate National Bank FDIC-insured?
Yes. The Upstate National Bank is a FDIC-insured bank (FDIC certificate #13748). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Upstate National Bank?
The Upstate National Bank holds $285 million in total assets, ranking 77th of 118 banks we track in New York. It operates 4 branches.
Does The Upstate National Bank have CFPB complaints?
No CFPB complaints against The Upstate National Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
