NY lenders / Community Bank
The Upstate National Bank
Community Bank · Ogdensburg, NY
- Total assets
- $285.2M
- CRE loan book
- $114.9M
- QoQ CRE growth
- 2.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.59% as of Q1 2026 — TX bank median 4.87% (0.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.59% | 5.63% |
| Q4 2025 | 5.66% | 5.72% |
| Q3 2025 | 5.36% | 5.47% |
| Q2 2025 | 5.63% | 5.73% |
| Q1 2025 | 5.09% | 5.15% |
| Q4 2024 | 5.30% | 5.29% |
| Q3 2024 | 5.25% | 5.30% |
| Q2 2024 | 5.05% | 5.20% |
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 | $114.9M | $4.1M | $65.8M | 321% | $0 |
| Q4 2025 | $112.7M | $3.9M | $63.3M | 314% | $0 |
| Q3 2025 | $110.1M | $3.4M | $62.9M | 318% | $0 |
| Q2 2025 | $104.4M | $1.6M | $59.3M | 301% | $0 |
| Q1 2025 | $110.4M | $1.6M | $62.4M | 331% | $0 |
| Q4 2024 | $116.9M | $898,000 | $43.9M | 347% | $59,000 |
| Q3 2024 | $120.0M | $1.7M | $45.0M | 345% | $210,000 |
| Q2 2024 | $125.3M | $5.2M | $46.7M | 345% | $217,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Bank of HerrinCommunity Bank · Herrin · $114.9M CRE book
- First Federal Community Bank, SSBCommunity Bank · Paris · $114.8M CRE book
- Texas Exchange BankCommunity Bank · Crowley · $114.8M CRE book
- Union County Savings BankCommunity Bank · Elizabeth · $114.1M CRE book
- Vermillion State BankCommunity Bank · Vermillion · $114.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.