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The First National Bank of Dryden


The First National Bank of Dryden is an FDIC insured institution headquartered at 7 West Main Street, Dryden, NY 13053.
It was founded in 1902 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - March 21, 2026

SAVINGS RATES APY MIN
Savings
0.03% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.15% $10,000 Compare
6 Mo CD
0.15% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.50% $10,000 Compare
24 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.65% $10,000 Compare
36 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.08% $10,000 Compare
Money Market
0.08% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.02% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7031
Date Established 1902
Assets $ 214.22 million
Loans $ 97.06 million
Deposits $ 190.37 million
Capital $ 23.57 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 34.15 million
Interest-bearing balances $ 30.57 million
Total securities $ 74.38 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 97.06 million
Loan loss allowance $ 1.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 7.89 million
     Total Assets $ 190.64 million

LIABILITIES
Total deposits $ 190.37 million
      Interest-bearing deposits $ 118.03 million
      Deposits held in domestic offices $ 190.37 million
      % insured (estimated)" 62.07%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.05 millionn
      Total Liabilities $ 190.64 million
      Shareholders’ Equity $ 23.57 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 6.81 million
Total Interest Expense $ 0.30 million
Net interest income $ 6.50 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.27 million
Total non interest expense $ 2.91 million
Pre-tax Net Operating Income $ 1.17 million

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