The First National Bank of Groton

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.51%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD
0.10%	1-year CD	1 Year Starter CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	Statement Savings 1.30% - Nationwide Bank Online Savings Account

View all The First National Bank of Groton rates »

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 117^th largest bank in the state of New York. It is also the 3,181^st largest bank in the nation. It was established in 1865 and as of December of 2017, 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

A

Data as of Q4 2017

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Health Grade Components

Overall
FDIC Certificate #	7085
Year Established	1865
Employees	39
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	9.02%
Annual Interest Income	$7.8MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$177.6MM$171.3MM
Loans	Q4 2017vs Q4 2016	$93.0MM$88.2MM
Deposits	Q4 2017vs Q4 2016	$150.0MM$148.2MM
Equity Capital	Q4 2017vs Q4 2016	$23.3MM$22.3MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$1.2MM$1.2MM
Real Estate Owned	Q4 2017vs Q4 2016	$0$261.00K

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

APY	MIN	MAX	ACCOUNT NAME
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

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
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

APY	MIN	MAX	ACCOUNT NAME
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 Groton	159-163 Main Street	Groton, NY 13073
Moravia Branch	41 South Main Street	Moravia, NY 13118

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