The First National Bank of Groton

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.51%	5-year CD	60 Month CD 3.00% - American Express National Bank 60 Month CD
0.10%	1-year CD	1 Year Starter CD 2.45% - Synchrony Bank 12 Month CD
0.10%	Savings	Statement Savings 1.80% - American Express National Bank High Yield Savings Account

View all The First National Bank of Groton rates »

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 117^th largest bank in the state of New York. It is also the 3,079^th largest bank in the nation. It was established in 1865 and as of June of 2018, 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

A

Data as of Q2 2018

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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	1.4%
Return on Equity - YTD	10.83%
Annual Interest Income	$4.0MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$182.0MM$175.0MM
Loans	Q2 2018vs Q2 2017	$96.9MM$90.3MM
Deposits	Q2 2018vs Q2 2017	$157.9MM$149.9MM
Equity Capital	Q2 2018vs Q2 2017	$23.4MM$23.3MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$1.3MM$1.2MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$1.5MM$859.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$256.00K

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
0.25%	$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
2.02%	$10k	-	27 Month CD Special
1.51%	$1k	-	60 Month CD
1.16%	$1k	-	48 Month CD
1.01%	$1k	-	36 Month CD
0.90%	$1k	-	30 Month CD
0.75%	$1k	-	24 Month CD
0.50%	$1k	-	18 Month CD
0.40%	$10k	-	1 Year Renewable Once CD
0.40%	$1k	-	12 Month CD
0.25%	$1k	-	6 Month CD
0.20%	$1k	-	3 Month CD
0.10%	$500	-	1 Year Starter CD
0.10%	$1k	-	1 Month CD

The First National Bank of Groton IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	60 Month IRA
1.16%	$1k	-	48 Month IRA
1.01%	$1k	-	36 Month IRA
0.90%	$1k	-	30 Month IRA
0.75%	$1k	-	24 Month IRA
0.50%	$1k	-	18 Month IRA
0.40%	$10k	-	1 Year Renewable Once IRA
0.40%	$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

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