Upstate National Bank (FDIC #13748): Bank Stress & Real-Estate Credit Exposure
Upstate National Bank (FDIC Cert #13748): bank stress 90/100, severe, STABLE over 7 days.
Upstate National Bank (#13748) lends in 3 counties across 1 state; Upstate National Bank (#13748) reaches 144 ZIP codes: New York 3 counties, 144 ZIPs.
Upstate National Bank (#13748) largest markets: St. Lawrence County, NY (54 branches, 54 ZIPs) (#13748), Monroe County, NY (52 branches, 52 ZIPs) (#13748), Jefferson County, NY (43 branches, 43 ZIPs) (#13748).
Upstate National Bank (#13748) reports $294.8 million in total assets; Upstate National Bank (#13748) equity $28.8 million (9.8% of Upstate National Bank (#13748) assets); Upstate National Bank (#13748) domestic deposits $208.8 million; Upstate National Bank (#13748) net income $93,000; Upstate National Bank (#13748) return on assets 0.07%; Upstate National Bank (#13748) return on equity 0.64%; Upstate National Bank (#13748) net interest income $3.2 million; Upstate National Bank (#13748) call report June 30, 2026.
Upstate National Bank (#13748) noncurrent real-estate loans: none reported; Upstate National Bank (#13748) net charge-offs on real estate 0.00%.
Upstate National Bank (#13748) net interest margin 2.29% against an eight-quarter Upstate National Bank (#13748) average of 1.75% (Upstate National Bank (#13748) compression -0.54 points); Upstate National Bank (#13748) rate-exposure score 40/100, Upstate National Bank (#13748) fixed-rate trap 40/100; Upstate National Bank (#13748) risk type credit driven; Upstate National Bank (#13748) rate regime rates elevated, Upstate National Bank (#13748) snapshot October 19, 2026.
Upstate National Bank (#13748) stress score moved from 87 on June 22, 2026 to 89.9 on October 20, 2026; Upstate National Bank (#13748) ranged 87 to 89.9 over 117 snapshots.
Upstate National Bank (#13748) alerts: 3 counties; top Upstate National Bank (#13748) alert scores: Ogdensburg County, NY 28 (low); Philadelphia County, NY 28 (low); Rochester County, NY 28 (low).