The First National Bank of Dryden is a national bank headquartered in Dryden, New York, in business for about 124 years. At the end of Q2 2026 it reported $203.9M in total assets and $179.6M in deposits, with 3 offices.
The First National Bank of Dryden has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 14th. Problem-loan coverage contributes the most (92/100, 4.1%); loan quality contributes the least (69/100, 0.93%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 76 |
| Q4 2024 | 75 |
| Q1 2025 | 81 |
| Q2 2025 | 80 |
| Q3 2025 | 76 |
| Q4 2025 | 74 |
| Q1 2026 | 81 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.83% |
| Q3 2024 | 12.56% |
| Q4 2024 | 12.42% |
| Q1 2025 | 12.40% |
| Q2 2025 | 12.60% |
| Q3 2025 | 13.10% |
| Q4 2025 | 13.24% |
| Q1 2026 | 13.31% |
| Q2 2026 | 13.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.55% |
| Q3 2024 | 1.17% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.80% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.41% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.93% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.94% |
| Q3 2024 | 1.77% |
| Q4 2024 | 1.29% |
| Q1 2025 | 2.06% |
| Q2 2025 | 1.95% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.43% |
| Q1 2026 | 1.81% |
| Q2 2026 | 1.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $203.9M | 13.55% | 0.93% | 1.48% | 56.0% |
| Q1 2026 | 81 | $211.2M | 13.31% | 0.92% | 1.81% | 53.3% |
| Q4 2025 | 74 | $203.4M | 13.24% | 1.41% | 1.43% | 55.0% |
| Q3 2025 | 76 | $214.2M | 13.10% | 1.29% | 1.68% | 51.0% |
| Q2 2025 | 80 | $212.6M | 12.60% | 1.00% | 1.95% | 49.4% |
| Q1 2025 | 81 | $214.8M | 12.40% | 0.80% | 2.06% | 47.3% |
| Q4 2024 | 75 | $206.2M | 12.42% | 0.85% | 1.29% | 48.6% |
| Q3 2024 | 76 | $216.6M | 12.56% | 1.17% | 1.77% | 45.4% |
| Q2 2024 | 71 | $221.5M | 11.83% | 1.55% | 1.94% | 42.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of GrotonBank Groton, NY | 78 out of 100, Strong | $203.9M | 14.6% | 1.62% | vs |
| Massena Savings and LoanBank Massena, NY | 73 out of 100, Strong | $199.9M | 15.1% | 1.30% | vs |
| Gouverneur Savings and Loan AssociationBank Gouverneur, NY | 74 out of 100, Strong | $198.9M | 14.5% | 1.00% | vs |
| First Federal Savings of MiddletownBank Middletown, NY | 89 out of 100, Very strong | $188.0M | 36.9% | 0.00% | vs |
| Savannah Bank National AssociationBank Savannah, NY | 66 out of 100, Moderate | $187.2M | 8.9% | 0.23% | vs |
| Bank of RichmondvilleBank Cobleskill, NY | 77 out of 100, Strong | $185.9M | 11.5% | 0.18% | vs |
Deposit insurance
Is my money safe at The First National Bank of Dryden?
Yes. The First National Bank of Dryden is an FDIC-insured institution (FDIC certificate #7031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.6% of deposits ($56.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The First National Bank of Dryden lists 3 offices in 3 cities. Most locations:
- Cortland, NY (1)
- Dryden, NY (1)
- Homer, NY (1)
Identity & history
Profile
- Legal name
- The First National Bank of Dryden
- Type
- National bank
- FDIC certificate #
- 7031
- RSSD ID
- 241009
- Primary regulator
- OCC
- Established
- January 1, 1902
- Headquarters
- 7 West Main Street, Dryden, NY 13053
- Website
- www.drydenbank.com
- Employees
- 42
Quick answers
The First National Bank of Dryden: common questions
Is The First National Bank of Dryden FDIC insured?
Yes. The First National Bank of Dryden is an FDIC-insured institution (FDIC certificate #7031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Dryden's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Dryden ever failed?
There is no failure record for FDIC certificate #7031 in the FDIC failed bank list.
How many branches does The First National Bank of Dryden have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dryden
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of GrotonBank Groton, NY | 78 out of 100, Strong | $203.9M | 14.6% | 1.62% | vs |
| Beginnings Credit UnionCredit union Ithaca, NY | 77 out of 100, Strong | $1.5B | 14.0% | 0.69% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
| Tioga State Bank National AssociationBank Spencer, NY | 71 out of 100, Strong | $625.2M | 11.4% | 1.00% | vs |
| Visions Federal Credit UnionCredit union Endicott, NY | 64 out of 100, Moderate | $5.5B | 10.0% | 0.89% | vs |
| NBT Bank, National AssociationBank Norwich, NY | 64 out of 100, Moderate | $16.1B | 9.5% | 0.55% | vs |