Bank of Utica
BKUTK
Other OTC631.05
USD
+1.05
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Bank of Utica
BKUTK
(Other OTC)
Recent
price
631.05
P/E
ratio
- -
div
yld
- -
ROIC.AI
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in mil. unless spec.- Similar Companies
- Business
- Bank of Utica operates as a commercial bank primarily serving the Utica, New York region. Founded in 1855 and headquartered in Utica, the bank provides a comprehensive suite of banking products and services including personal checking, business checking, savings accounts, money market accounts, certificates of deposit, retirement accounts, and health savings accounts. Its lending portfolio includes business lines of credit, commercial mortgages, long-term and short-term loans, accounts receivable and inventory financing, as well as federal and New York State government loan programs. For retail customers, the bank offers personal installment loans, vehicle loans, home mortgages, and home equity loans. Digital and convenience services include online and mobile banking, mobile deposits, online bill payment, real-time account balance monitoring, remote deposit capture, automated clearing house (ACH) processing including payroll services, domestic wire transfers, check reordering, and 24/7 telephone banking. The bank also issues the Quickdraw Visa debit card, which is accepted broadly and offers surcharge-free ATM withdrawals within the Allpoint network. In terms of recent developments, Bank of Utica continues to focus on expanding its digital banking capabilities and customer convenience features, aligning with modern banking trends toward mobile and remote access. The bank maintains strong community ties in Utica and surrounding areas, sustaining steady growth in assets and capital with a total asset base reported around $1.4 billion as of mid-2025. While no major acquisitions or rebranding events have been reported in the last 1-2 years, the bank has maintained a stable dividend distribution, reflecting confidence in its financial performance. Its strategic emphasis remains on strengthening its local commercial banking offerings alongside personal financial services to serve a diverse customer base within Central New York. Bank of Utica operates solely within New York State, focusing on regional commercial and retail banking markets. It targets individuals, small to medium-sized businesses, and government entities looking for personalized banking solutions. The bank is independent and not part of a larger holding company. Its product ecosystem supports both traditional and contemporary banking needs, backed by a commitment to community banking principles and customer service excellence in its established market. This description reflects Bank of Utica’s current operational scope, product lineup, and key strategic direction based on publicly available information as of late 2025.