Jeff Franklinphoto mask

Letter To Our Customers

I'm very pleased to report that USNY Bank has grown to $349 million in total assets as of September 30, 2017. Both Bank of the Finger Lakes and Bank of Cooperstown continue to see growth in loans and deposits. This growth results from the efforts of our team of experienced bankers, community board members, and bank directors.

Check out our bank websites at and They give you more information about our products and they have real customer testimonials under our "Local Business Testimonials" advertising campaign.

In addition to great banking products, our strong capital ratios provide the the financial strength you're looking for in a bank. In fact, Bauer Financial gave us a "Five Star" rating for our financial strength.

We remain true to our original business plan...developing local deposits, providing personalized customer service with the latest in banking technology, and making loans to individuals, farms and businesses in our bank markets. Plus our customers know their deposits are used to benefit the local communities we serve in several ways. That's why we say, "What Starts Here, Stays Here."

We are grateful for the positive response we've gotten from the public since we opened for business in 2007. Your referrals have been, and will continue to be, important to the success of the bank. Please tell your friends, neighbors, and business associates about us. We'll work hard to earn their confidence and exceed their customer service expectations.

You should also know that effective July 1, 2016, UpState New York Bancorp, Inc. was created as the new holding company for USNY Bank. Our shareholders approved this organizational change, which should provide us with additional business flexibility going forward.

Thanks again for your past support. We're all here to serve you. Call us or just stop in whenever you have any questions. Please feel free to give us your suggestions so we can better serve you.

Best wishes to you and your family.

Jeff Franklin