The First National Bank of Groton


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

The First National Bank of Groton is headquartered in Groton and is the 109th largest bank in the state of New York. It is also the 3,076th largest bank in the nation. It was established in 1865 and as of June of 2021, it had grown to 38 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
Employees38
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD6.7%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$207.6MM$198.1MM
LoansQ2 2021vs Q2 2020$97.3MM$101.6MM
DepositsQ2 2021vs Q2 2020$177.2MM$168.1MM
Equity CapitalQ2 2021vs Q2 2020$29.3MM$28.6MM
Loan Loss AllowanceQ2 2021vs Q2 2020$1.8MM$1.7MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$3.1MM$1.5MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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
0.75%*-$20kKasasa Saver
OTHER TIERS: 0.10% $20k+
0.15%$250-Variable IRA
0.05%$50-Passbook Savings
0.05%$50-Statement Savings
0.05%--Club Savings
0.05%--Youth Savings

The First National Bank of Groton Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$250k*-Money Market Investment
OTHER TIERS: 0.05% $1k - $10k | 0.08% $10k - $25k | 0.10% $25k - $250k
0.05%$1k-Money Market Checking

The First National Bank of Groton Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.20% $10k+

The First National Bank of Groton CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-60 Month CD
0.60%$1k-48 Month CD
0.50%$1k-36 Month CD
0.35%$1k-30 Month CD
0.30%$10k-1 Year Renewable Once CD
0.30%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD
0.05%$500-1 Year Starter CD
0.05%$1k-1 Month CD
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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