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The First National Bank Of Dryden
Dryden, NY · FDIC Certificate #7031 · Chartered 01/0
Total assets
$203.87M
Total deposits
$179.55M
Total equity
$24.16M
Net loans
$100.62M
Branches (offices)
3
Net income (YTD)
$1.53M
Rank: #2,948 of 4,213 U.S. banks by assets · #97 of 115 in New York. Assets changed -4.1% and deposits -5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.48% |
| Return on equity | 12.94% |
| Net interest margin (YTD) | 4.57% |
| Equity to assets | 11.85% |
| Tier 1 leverage ratio | 13.55% |
| Uninsured deposits (share of deposits) | 31.6% |
| Noncurrent loans (share of loans) | 0.93% |
| Net charge-offs (share of loans) | 0.59% |
| Loans to deposits | 56.0% |
| Real estate loans (share of loans) | 70.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $70.97M | 70.5% | |
| Commercial & industrial | $12.49M | 12.4% | |
| Consumer / individual | $17.68M | 17.6% | |
| Construction & development | $1.69M | 1.7% | |
| Agricultural | $902.00K | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $233.67M | $220.36M | $1.10M | $13.26M |
| Jun 2023 | $232.48M | $216.80M | $2.03M | $15.64M |
| Jun 2024 | $221.47M | $202.54M | $2.14M | $18.62M |
| Jun 2025 | $212.60M | $190.66M | $2.06M | $21.63M |
| Jun 2026 | $203.87M | $179.55M | $1.53M | $24.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $179.55M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $179.55M.
Similar-sized banks
The First National Bank Of Groton ($203.88M) · Greeneville Federal Bank, FSB ($203.87M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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