The First National Bank of Groton

Overview / Commentary
161 Main Street
Groton, NY 13073

The First National Bank of Groton is headquartered in Groton and is the 104th largest bank in the state of New York. It is also the 2,925th 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 Grade Components

FDIC Certificate #7085
Year Established1865
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD6.37%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$226.5MM$214.4MM
LoansQ1 2022vs Q1 2021$90.5MM$100.1MM
DepositsQ1 2022vs Q1 2021$201.1MM$185.1MM
Equity CapitalQ1 2022vs Q1 2021$25.3MM$28.8MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.3MM$2.0MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$1.7MM$3.1MM
Real Estate OwnedQ1 2022vs Q1 2021$0$0
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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

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

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

2.00%*-$10kKasasa Cash
OTHER TIERS: 0.20% $10k+

The First National Bank of Groton CD Rates

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

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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