The First National Bank of Groton

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.85%	5-year CD	60 Month CD 2.25% - Ally Bank High Yield 5 Year CD
0.10%	1-year CD	1 Year Starter CD 1.50% - Ally Bank No Penalty 11-Month CD
0.10%	Savings	Statement Savings 1.20% - Ally Bank Online Savings Account

View all The First National Bank of Groton rates »

Overview / Commentary

www.grotonbank.com

607-898-5871

159-163 Main Street
Groton, NY 13073

The First National Bank of Groton is headquartered in Groton and is the 117^th largest bank in the state of New York. It is also the 3,232^nd largest bank in the nation. It was established in 1865 and as of June of 2017, 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

A

Data as of Q2 2017

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Health Grade Components

Overall
FDIC Certificate #	7085
Year Established	1865
Employees	38
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.16%
Return on Equity - YTD	8.96%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$175.0MM$173.1MM
Loans	Q2 2017vs Q2 2016	$90.3MM$84.9MM
Deposits	Q2 2017vs Q2 2016	$149.9MM$142.1MM
Equity Capital	Q2 2017vs Q2 2016	$23.3MM$23.0MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$859.00K$784.00K
Real Estate Owned	Q2 2017vs Q2 2016	$256.00K$417.00K

Rates

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The First National Bank of Groton Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	NOW Account

The First National Bank of Groton CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$1k	-	60 Month CD
0.70%	$1k	-	48 Month CD
0.65%	$1k	-	36 Month CD
0.45%	$1k	-	30 Month CD
0.40%	$1k	-	24 Month CD
0.25%	$10k	-	1 Year Renewable Once CD
0.25%	$1k	-	18 Month CD
0.20%	$1k	-	12 Month CD
0.15%	$1k	-	6 Month CD
0.10%	$500	-	1 Year Starter CD
0.10%	$1k	-	1 Month CD
0.10%	$1k	-	3 Month CD

The First National Bank of Groton IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$1k	-	60 Month IRA
0.70%	$1k	-	48 Month IRA
0.65%	$1k	-	36 Month IRA
0.45%	$1k	-	30 Month IRA
0.40%	$1k	-	24 Month IRA
0.25%	$10k	-	1 Year Renewable Once IRA
0.25%	$1k	-	18 Month IRA
0.20%	$1k	-	12 Month IRA
0.10%	$500	-	1 Year Starter IRA

Locations

The First National Bank of Groton Locations
The First National Bank Of Groton	159-163 Main Street	Groton, NY 13073
Moravia Branch	41 South Main Street	Moravia, NY 13118