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About Us

The Upstate National Bank is a nationally-chartered community bank headquartered in Rochester, NY focusing on providing a safe and secure environment for clients to transact, invest and borrow while simultaneously enabling and enhancing community prosperity and growth in the markets we proudly serve. 

Founded in 1922, our specialty is servicing both the investment and capital borrowing needs of small and medium size businesses, entrepreneurs and professionals within our geographic marketplaces. Our menu of products and services is uniquely tailored to our clientele and evolved out of working closely with our corporate and professional customers in order to develop products with cost efficient attributes and qualities that address their everyday banking needs.

Experienced Management Team
Upstate Bank's management team is vastly experienced in all aspects of Commercial Banking
Kathleen R. Whelehan
President & Chief Executive Officer

Frank J. Cipriano
Executive Vice President, Chief Lending Officer

Mike George

Senior Vice President, Controller

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