| Weiss Ratings |
The Upstate National Bank
Rochester, NY |
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| Rating | ||||
| Asset Quality Index | 8.90 | |||
| Capitalization Index | 9.00 | |||
| Liquidity Index | 0.20 | |||
| Profitability Index | 0.00 | |||
| Stability Index | 4.50 | |||
| Company Info |
The Upstate National Bank
Rochester, NY |
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| FDIC Number | 13748 | |||
| Phone Number | (585) 454-3450 | |||
| Website | www.upstatebank.com | |||
| Asset Quality |
The Upstate National Bank
Rochester, NY |
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| 1-Year Asset Growth | -12.75% | |||
| 5-Year Asset Growth | 11.99% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | -0.11% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
The Upstate National Bank
Rochester, NY |
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| Total Assets | 268.74M | |||
| Total Deposits | 175.67M | |||
| Capital and Reserves |
The Upstate National Bank
Rochester, NY |
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| Capital | 26.61M | |||
| Leverage Ratio | 10.32 | |||
| Loan Loss Reserves to Loans | 1.29% | |||
| Risk-Based Capital Ratio | 16.12 | |||
| Liquidity |
The Upstate National Bank
Rochester, NY |
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| Hot Money Ratio | 68.63% | |||
| Liquidity Ratio | 14.87% | |||
| Profitability |
The Upstate National Bank
Rochester, NY |
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| 5-Year Return on Average Assets | 0.35% | |||
| Net Income | -438.00K | |||
| Net Interest Spread | 1.45% | |||
| Operating Profit to Average Assets | -0.81% | |||
| Overhead Efficiency Ratio | 153.98% | |||
| Return on Assets | -0.66% | |||
| Return on Equity | -6.59% | |||