The First National Bank of Groton

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 104^th largest bank in the state of New York. It is also the 2,925^th largest bank in the nation. It was established in 1865 and as of March of 2022, it had grown to 37 employees at 2 locations. The First National Bank of Groton has an A health rating.

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Health

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	7085
Year Established	1865
Employees	37
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	6.37%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$226.5MM$214.4MM
Loans	Q1 2022vs Q1 2021	$90.5MM$100.1MM
Deposits	Q1 2022vs Q1 2021	$201.1MM$185.1MM
Equity Capital	Q1 2022vs Q1 2021	$25.3MM$28.8MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$1.3MM$2.0MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$1.7MM$3.1MM
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

Rates

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Savings
Money Market
Checking
CD

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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%^*	-	$20k	Kasasa 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

APY	MIN	MAX	ACCOUNT NAME
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

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

The First National Bank of Groton CD Rates

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

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