NY lenders / Community Bank
Bank of Utica
Community Bank · Utica, NY
- Total assets
- $1.4B
- CRE loan book
- $37.6M
- QoQ CRE growth
- 2.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.90% as of Q1 2026 — TX bank median 4.87% (2.04pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.90% | 5.87% |
| Q4 2025 | 6.24% | 5.71% |
| Q3 2025 | 6.32% | 5.49% |
| Q2 2025 | 6.30% | 6.46% |
| Q1 2025 | 5.97% | 5.82% |
| Q4 2024 | 6.40% | 5.30% |
| Q3 2024 | 5.72% | 6.09% |
| Q2 2024 | 5.77% | 5.77% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $37.6M | $0 | $4.5M | 4% | $853,000 |
| Q4 2025 | $36.6M | $0 | $4.6M | 4% | $610,000 |
| Q3 2025 | $34.6M | $0 | $4.8M | 4% | $609,000 |
| Q2 2025 | $33.2M | $0 | $4.5M | 5% | $0 |
| Q1 2025 | $33.0M | $0 | $4.7M | 5% | $0 |
| Q4 2024 | $31.8M | $0 | $4.8M | 5% | $76,000 |
| Q3 2024 | $30.3M | $0 | $5.0M | 4% | $0 |
| Q2 2024 | $28.8M | $0 | $5.2M | 5% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Pine River State BankCommunity Bank · Pine River · $37.5M CRE book
- Hometown Community BankCommunity Bank · Cyrus · $37.4M CRE book
- Malvern BankCommunity Bank · Malvern · $37.8M CRE book
- First Bank HamptonCommunity Bank · Hampton · $37.8M CRE book
- Petefish, Skiles & Co.Community Bank · Virginia · $37.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.