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The First National Bank Of Groton
Groton, NY · FDIC Certificate #7085 · Chartered 05/0
Total assets
$203.88M
Total deposits
$175.14M
Total equity
$27.53M
Net loans
$104.48M
Branches (offices)
2
Net income (YTD)
$1.34M
Rank: #2,947 of 4,213 U.S. banks by assets · #96 of 115 in New York. Assets changed 3.3% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 9.77% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 13.50% |
| Tier 1 leverage ratio | 14.58% |
| Uninsured deposits (share of deposits) | 17.9% |
| Noncurrent loans (share of loans) | 1.62% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 59.7% |
| Real estate loans (share of loans) | 78.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $81.57M | 78.1% | |
| Commercial & industrial | $9.49M | 9.1% | |
| Consumer / individual | $14.56M | 13.9% | |
| Construction & development | $7.17M | 6.9% | |
| Agricultural | $205.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $213.45M | $190.71M | $889.00K | $21.98M |
| Jun 2023 | $207.92M | $185.16M | $1.02M | $21.99M |
| Jun 2024 | $197.38M | $169.92M | $823.00K | $23.40M |
| Jun 2025 | $197.31M | $171.41M | $1.19M | $24.97M |
| Jun 2026 | $203.88M | $175.14M | $1.34M | $27.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $175.14M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $175.14M.
Similar-sized banks
Minnstar Bank National Association ($204.00M) · The First National Bank Of Dryden ($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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