The First National Bank of Groton

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.grotonbank.com

607-898-5871

161 Main Street
Groton, NY 13073

The First National Bank of Groton is headquartered in GROTON and is the 97^th largest bank in the state of New York. It is also the 2,991^st largest bank in the nation. It was established in 1865 and as of March of 2025, it had grown to 35 employees at 2 locations. The First National Bank of Groton has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	7085
Year Established	1865
Employees	35
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.24%
Return on Equity - YTD	10.42%
Annual Interest Income	$2.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$208.9MM$203.1MM
Loans	Q1 2025vs Q1 2024	$99.8MM$95MM
Deposits	Q1 2025vs Q1 2024	$183.6MM$179.2MM
Equity Capital	Q1 2025vs Q1 2024	$25.1MM$23.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.3MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.3MM$2MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$0	$20k	Kasasa Saver
OTHER TIERS: 0.10% → $20k+
0.05%	$0	-	Club Savings
0.05%	$0	-	Youth Savings
0.05%	$0	-	Basic Savings

The First National Bank of Groton Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$250k^*	-	Money Market Investment
OTHER TIERS: 0.05% → $1k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $250k
0.05%	$0	-	Money Market Checking

The First National Bank of Groton Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$0	$10k	Kasasa Cash
OTHER TIERS: 0.20% → $10k+

The First National Bank of Groton CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$2.5k	-	7 Month CD Special - New Money
3.35%	$2.5k	-	13 Month CD Special - New Money
1.21%	$1k	-	60 Month CD
1.16%	$1k	-	48 Month CD
1.06%	$1k	-	36 Month CD
0.95%	$1k	-	30 Month CD
0.85%	$1k	-	24 Month CD
0.75%	$10k	-	1 Year Renewable Once CD
0.75%	$1k	-	18 Month CD
0.70%	$1k	-	12 Month CD
0.65%	$500	-	1 Year Starter CD
0.55%	$1k	-	6 Month CD
0.45%	$1k	-	3 Month CD
0.35%	$1k	-	1 Month CD

The First National Bank of Groton IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%	$0	-	60 Month IRA
1.16%	$0	-	48 Month IRA
1.06%	$0	-	36 Month IRA
0.95%	$0	-	30 Month IRA
0.85%	$0	-	24 Month IRA
0.75%	$10k	-	1 Year Renewable Once IRA
0.75%	$0	-	18 Month IRA
0.75%	$0	-	Variable IRA
0.70%	$0	-	12 Month IRA
0.65%	$500	-	1 Year Starter IRA

Locations

The First National Bank of Groton Locations
The First National Bank Of Groton	159 Main St	Groton, NY 13073
Moravia Branch	41 South Main Street	Moravia, NY 13118

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