Letter to Our Customers

I'm very pleased to report that USNY Bank has grown to over $435 million in total assets as of September 30, 2019. Both operating units, Bank of the Finger Lakes and Bank of Cooperstown, continue to see steady growth in loans and deposits. This growth is thanks to the efforts of our experienced banking team, community board members, bank directors, and our loyal customers.
 
We continue to focus on generating new local deposits. These local deposits are critical to our growth plans, since they are the fuel for our continued growth. We are an SBA Preferred Lender, specializing in providing banking services for small and mid-sized businesses, agribusinesses, farms and wineries; in addition to retail lending. We were also named as a Preferred Lender by the USDA's Farm Service Agency, which is a reflection of the high quality work done by our lenders and loan administration team.
 
If you haven't yet, please take a moment to check out our brand new website at usnybank.com. You can continue to access the website from our two unit bank websites at bankofthefingerlakes.com and bankofcooperstown.com. We were pleased to unveil our newly redesigned website this past July. This project included an updated mobile banking application and a new online account opening platform. These updates have allowed us to combine our high-quality branch experience with a high quality  digital banking channel. The website was designed to provide our customers with a user-friendly, innovative and secure online experience.
 
Don't forget to check out our Bank of the Finger Lakes and Bank of Cooperstown Facebook pages, where you will find the latest events we are sponsoring in the community, as well as trending financial articles.
 
We are grateful for the response we've received from the public since we opened for business in 2007. Your referrals have been, and will continue to be, so important to the success of the bank. Please tell your friends, neighbors, and business associates about us. We will always work hard to earn your confidence and exceed your expectations.
 
Thank you again for your continued support. Call us or 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
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