The First National Bank of Groton

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.85%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.10%	1-year CD	1 Year Starter CD 1.40% - Synchrony Bank 12 Month CD
0.10%	Savings	Statement Savings 1.20% - Goldman Sachs Bank USA Online Savings

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 118^th largest bank in the state of New York. It is also the 3,194^th largest bank in the nation. It was established in 1865 and as of March 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

Data as of Q1 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	1.23%
Return on Equity - YTD	9.56%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$180.1MM$172.6MM
Loans	Q1 2017vs Q1 2016	$88.6MM$81.1MM
Deposits	Q1 2017vs Q1 2016	$157.0MM$149.5MM
Equity Capital	Q1 2017vs Q1 2016	$22.9MM$22.5MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$1.2MM$1.1MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.2MM$573.00K
Real Estate Owned	Q1 2017vs Q1 2016	$266.00K$417.00K

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
0.15%	$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