Side-by-side · Q2 2026 data
The First National Bank of Groton vs Massena Savings and Loan
Metric by metric
| Measure | The First National Bank of Groton | Massena Savings and Loan |
|---|---|---|
| TellerScore | 78 (stronger) | 73 |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 46 | 57 (stronger) |
| Earnings | 72 (stronger) | 63 |
| Funding & liquidity | 97 (stronger) | 50 |
| Problem-loan coverage | 86 (stronger) | 83 |
| Peer percentile | 72nd | 53rd |
| Total assets | $203.9M | $199.9M |
| Deposits / shares | $175.1M | $148.2M |
| Capital ratio | 14.58% | 15.15% (stronger) |
| Problem loans | 1.62% | 1.30% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.11% |
| Return on assets | 1.30% (stronger) | 1.09% |
| Loans ÷ deposits | 59.7% (stronger) | 121.7% |
| Uninsured deposits | 17.9% | 12.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
The First National Bank of Groton has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Groton leads on 4 and Massena Savings and Loan on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.