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 3,038th largest bank in the nation. It was established in 1865 and as of December of 2020, 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 - YTD1.12%
Return on Equity - YTD7.61%
Annual Interest Income$8.0MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$202.1MM$182.7MM
LoansQ4 2020vs Q4 2019$100.8MM$101.7MM
DepositsQ4 2020vs Q4 2019$171.2MM$154.4MM
Equity CapitalQ4 2020vs Q4 2019$29.3MM$27.2MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.8MM$1.4MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$2.0MM$1.3MM
Real Estate OwnedQ4 2020vs Q4 2019$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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