Headquartered in Groton, New York, The First National Bank of Groton is a national bank with $203.9M in total assets and $175.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1865.
Based on its Q2 2026 filing, The First National Bank of Groton scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 20th. Its strongest component is funding & liquidity (97/100; 60% loans-to-deposits, 18% uninsured), and its lowest is loan quality (46/100; 1.62%).
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
From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the loan quality component weakened by 14 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 58 |
| Q4 2024 | 67 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.75% |
| Q3 2024 | 14.48% |
| Q4 2024 | 14.27% |
| Q1 2025 | 14.31% |
| Q2 2025 | 14.30% |
| Q3 2025 | 14.90% |
| Q4 2025 | 14.73% |
| Q1 2026 | 14.75% |
| Q2 2026 | 14.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.97% |
| Q3 2024 | 2.25% |
| Q4 2024 | 1.46% |
| Q1 2025 | 1.28% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.79% |
| Q1 2026 | 1.54% |
| Q2 2026 | 1.62% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | -0.60% |
| Q4 2024 | -0.12% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.33% |
| Q4 2025 | 1.30% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $203.9M | 14.58% | 1.62% | 1.30% | 59.7% |
| Q1 2026 | 79 | $212.5M | 14.75% | 1.54% | 1.29% | 56.7% |
| Q4 2025 | 77 | $202.6M | 14.73% | 1.79% | 1.30% | 60.7% |
| Q3 2025 | 78 | $201.0M | 14.90% | 1.76% | 1.33% | 59.1% |
| Q2 2025 | 80 | $197.3M | 14.30% | 1.19% | 1.18% | 58.7% |
| Q1 2025 | 79 | $208.9M | 14.31% | 1.28% | 1.24% | 54.4% |
| Q4 2024 | 67 | $199.4M | 14.27% | 1.46% | -0.12% | 56.6% |
| Q3 2024 | 58 | $196.3M | 14.48% | 2.25% | -0.60% | 57.5% |
| Q2 2024 | 72 | $197.4M | 14.75% | 1.97% | 0.82% | 56.5% |
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 DrydenBank Dryden, NY | 80 out of 100, Strong | $203.9M | 13.5% | 0.93% | 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 Groton?
Yes. The First National Bank of Groton is an FDIC-insured institution (FDIC certificate #7085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.9% of deposits ($31.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.58%, 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%).
2 locations
Branches
The First National Bank of Groton lists 2 offices in 2 cities. Most locations:
- Groton, NY (1)
- Moravia, NY (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Groton reported 76 home-loan applications under HMDA (LEI 2549009DWV1Z50JILS65): 68 originated ($9,610,000 total), 7 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The First National Bank of Groton
- Type
- National bank
- FDIC certificate #
- 7085
- RSSD ID
- 917500
- Primary regulator
- OCC
- Established
- May 1, 1865
- Headquarters
- 159 Main St, Groton, NY 13073
- Website
- www.grotonbank.com
- Employees
- 35
Quick answers
The First National Bank of Groton: common questions
Is The First National Bank of Groton FDIC insured?
Yes. The First National Bank of Groton is an FDIC-insured institution (FDIC certificate #7085). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Groton's TellerScore?
78 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 Groton ever failed?
There is no failure record for FDIC certificate #7085 in the FDIC failed bank list.
How many branches does The First National Bank of Groton have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Groton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of DrydenBank Dryden, NY | 80 out of 100, Strong | $203.9M | 13.5% | 0.93% | 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 |
| NBT Bank, National AssociationBank Norwich, NY | 64 out of 100, Moderate | $16.1B | 9.5% | 0.55% | vs |
| Visions Federal Credit UnionCredit union Endicott, NY | 64 out of 100, Moderate | $5.5B | 10.0% | 0.89% | vs |