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 The First National Bank of Groton
The First National Bank of Groton
| RSSD ID 917500 | CERTIFICATE 7085 | ABA NUMBER 21305991 |
| 159 Main St |
Quarter Ended : |
2025-12-31 |
| Groton, New York, 13073 |
Updated : |
2026-01-30 |
| www.grotonbank.com |
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| Institution Profile |
| Year Opened : |
1865 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
2 |
Number of Employees : |
34 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 202,559 |
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Total Interest Income | 9,770 |
| Total Liabilities | 175,261 |
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Total NonInterest Income | 814 |
| Total Bank Equity Capital | 27,298 |
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Total Interest Expense | 1,146 |
| Total Deposits | 173,890 |
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Total NonInterest Expense | 6,196 |
| Net Loans & Leases | 105,517 |
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Net Income | 2,626 |
| Loan Loss Allowance | 1,342 |
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Net Charge Offs | 97 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 104,903 |
| Total assets for the leverage ratio | 205,299 |
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Loans secured by real estate: | 80,194 |
| Tier 1 Leverage Ratio | 14.73 |
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Commercial and industrial loans | 8,771 |
| Off Balance Sheet Exposures (%) | 2.81 |
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Loans to individuals - Credit Cards | 699 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 14,992 |
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:· The First National Bank of Groton
