Overview / Commentary
607-898-5871
161 Main Street
Groton, NY 13073

The First National Bank of Groton is headquartered in Groton and is the 117th largest bank in the state of New York. It is also the 3,079th largest bank in the nation. It was established in 1865 and as of June of 2018, it had grown to 39 employees at 2 locations. The First National Bank of Groton has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #7085
Year Established1865
Employees39
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.4%
Return on Equity - YTD10.83%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$182.0MM$175.0MM
LoansQ2 2018vs Q2 2017$96.9MM$90.3MM
DepositsQ2 2018vs Q2 2017$157.9MM$149.9MM
Equity CapitalQ2 2018vs Q2 2017$23.4MM$23.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.3MM$1.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.5MM$859.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$256.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Groton Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$250-Variable IRA
0.10%$50-Passbook Savings
0.10%$50-Statement Savings
0.10%$50-Club Savings
0.10%--Youth Saving

The First National Bank of Groton Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-Money Market Investment
OTHER TIERS: 0.10% $1k - $50k | 0.15% $50k - $250k
0.05%$1k-Money Market Checking

The First National Bank of Groton Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-NOW Account

The First National Bank of Groton CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$10k-27 Month CD Special
1.51%$1k-60 Month CD
1.16%$1k-48 Month CD
1.01%$1k-36 Month CD
0.90%$1k-30 Month CD
0.75%$1k-24 Month CD
0.50%$1k-18 Month CD
0.40%$10k-1 Year Renewable Once CD
0.40%$1k-12 Month CD
0.25%$1k-6 Month CD
0.20%$1k-3 Month CD
0.10%$500-1 Year Starter CD
0.10%$1k-1 Month CD

The First National Bank of Groton IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month IRA
1.16%$1k-48 Month IRA
1.01%$1k-36 Month IRA
0.90%$1k-30 Month IRA
0.75%$1k-24 Month IRA
0.50%$1k-18 Month IRA
0.40%$10k-1 Year Renewable Once IRA
0.40%$1k-12 Month IRA
0.10%$500-1 Year Starter IRA
Locations


The First National Bank of Groton Locations
The First National Bank Of Groton159-163 Main StreetGroton, NY 13073
Moravia Branch41 South Main StreetMoravia, NY 13118

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