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Lender record

The Upstate National Bank

The real lending record — every figure from funded deals. HQ: 729 Proctor Ave, Ogdensburg, NY. 4 branches.

4

Recent deals (FY20+)

$177K

Typical deal

—

Approval → funding

Where The Upstate National Bank lends

Deal profile

Most The Upstate National Bank deals land between $100K and $200K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Other Building Material Dealers (1)
2.Coin-Operated Laundries and Drycleaners (1)
3.Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesale (1)

4.All Other Personal Services (1)

Most active states

1.New York (4 deals)

Can The Upstate National Bank fund you? The bank behind the loans

Total assets

$285.2M

▲ 3.1% vs prior quarter

Deposits on hand

$199.4M

▲ 4.6% vs prior quarter

Loans outstanding

$224.3M

▲ 1.5% vs prior quarter

Net income (latest qtr)

$42K

•SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes The Upstate National Bank more SBA-focused than 41% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 0.06% — well under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

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I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.

Walk into a The Upstate National Bank branch (4)

The Upstate National BankMain office729 Proctor AveOgdensburg, NY 13669 · since 1922

Philadelphia Branch77 Main StreetPhiladelphia, NY 13673 · since 1994

Rochester Branch150 State St Fl 3Rochester, NY 14614 · since 2002

Rochester Branch1 W Main StRochester, NY 14614 · since 2003 · limited service

Branch data: FDIC BankFind.

Recent deals

EMPIRE REAL LUMBER LLC in Waterloo, NY — $200K (2026) · Other Building Material Dealers
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$100K (50%)
Approved
3/2/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Other Building Material Dealers
Your business? Claim this record · Request removal
719 LAUNDRY CORP. in Lockport, NY — $177K (2025) · Coin-Operated Laundries and Drycleaners
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
84 mo (7 yrs)
SBA guaranteed
$89K (50%)
Approval → funding
49 days
Approved
11/13/2024
First disbursed
1/1/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
EMPIRE REAL LUMBER LLC in Waterloo, NY — $100K (2025) · Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesale
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
84 mo (7 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
24 days
Approved
1/8/2025
First disbursed
2/1/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Primerano Fitness Inc in Niagara Falls, NY — $50K (2025) · All Other Personal Services
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
84 mo (7 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
34 days
Approved
10/28/2024
First disbursed
12/1/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses The Upstate National Bank financed

3 businesses on record. Each links to its full SBA record.

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DealRoom analysis of public lending records, FY2020–present. Not affiliated with The Upstate National Bank.

AI summary

The Upstate National Bank is an SBA lender tracked by DealRoom.so SBA Intelligence, with lending activity broken down by state, industry, and loan size from public records. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

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I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.

Corporation

Jobs supported

3

Business age

Existing or more than 2 years old

Industry

Coin-Operated Laundries and Drycleaners

Your business? Claim this record · Request removal

Corporation

Jobs supported

4

Business age

Existing or more than 2 years old

Industry

Lumber, Plywood, Millwork, and Wood Panel Merchant Wholesale

Your business? Claim this record · Request removal

Corporation

Business age

Existing or more than 2 years old

Industry

All Other Personal Services

Your business? Claim this record · Request removal