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 109^th largest bank in the state of New York. It is also the 3,038^th 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

Data as of Q4 2020

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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	1.12%
Return on Equity - YTD	7.61%
Annual Interest Income	$8.0MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$202.1MM$182.7MM
Loans	Q4 2020vs Q4 2019	$100.8MM$101.7MM
Deposits	Q4 2020vs Q4 2019	$171.2MM$154.4MM
Equity Capital	Q4 2020vs Q4 2019	$29.3MM$27.2MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$1.8MM$1.4MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$2.0MM$1.3MM
Real Estate Owned	Q4 2020vs Q4 2019	$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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