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 114^th largest bank in the state of New York. It is also the 3,006^th largest bank in the nation. It was established in 1865 and as of March of 2019, 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 2019

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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	1.51%
Return on Equity - YTD	11.19%
Annual Interest Income	$2.1MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$188.7MM$182.2MM
Loans	Q1 2019vs Q1 2018	$101.7MM$95.0MM
Deposits	Q1 2019vs Q1 2018	$162.8MM$158.8MM
Equity Capital	Q1 2019vs Q1 2018	$25.7MM$23.3MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$785.00K$1.2MM
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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
0.35%	$250	-	Variable IRA
0.10%	$50	-	Passbook Savings
0.10%	$50	-	Statement Savings
0.10%	-	-	Club Savings
0.10%	-	-	Youth Savings

The First National Bank of Groton Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$250k^*	-	Money Market Investment
OTHER TIERS: 0.15% → $1k - $25k \| 0.20% → $25k - $50k \| 0.30% → $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
2.33%	$10k	-	27 Month CD Special
1.61%	$1k	-	60 Month CD
1.26%	$1k	-	48 Month CD
1.11%	$1k	-	36 Month CD
1.01%	$1k	-	30 Month CD
0.85%	$1k	-	24 Month CD
0.60%	$1k	-	18 Month CD
0.50%	$10k	-	1 Year Renewable Once CD
0.50%	$1k	-	12 Month CD
0.35%	$1k	-	6 Month CD
0.30%	$1k	-	3 Month CD
0.20%	$500	-	1 Year Starter CD
0.20%	$1k	-	1 Month CD

The First National Bank of Groton IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.33%	$10k	-	27 Month IRA Special
1.61%	$1k	-	60 Month IRA
1.26%	$1k	-	48 Month IRA
1.11%	$1k	-	36 Month IRA
1.01%	$1k	-	30 Month IRA
0.85%	$1k	-	24 Month IRA
0.60%	$1k	-	18 Month IRA
0.50%	$10k	-	1 Year Renewable Once IRA
0.50%	$1k	-	12 Month IRA
0.20%	$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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