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The First National Bank of Groton


The First National Bank of Groton is an FDIC insured institution headquartered at 159 Main St, Groton, NY 13073.
It was founded in 1865 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - April 26, 2026

SAVINGS RATES APY MIN
Savings
0.05% $1 Compare
CD RATES APY MIN
6 Mo CD
0.25% $1,000 Compare
6 Mo CD
0.30% $100,000 Compare
12 Mo CD
0.30% $1,000 Compare
Special: 12 Mo CD
0.40% $10,000 Compare
12 Mo CD
0.40% $100,000 Compare
18 Mo CD
0.35% $1,000 Compare
18 Mo CD
0.45% $100,000 Compare
24 Mo CD
0.40% $1,000 Compare
24 Mo CD
0.50% $100,000 Compare
30 Mo CD
0.50% $1,000 Compare
30 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.65% $1,000 Compare
36 Mo CD
0.75% $100,000 Compare
48 Mo CD
0.75% $1,000 Compare
48 Mo CD
0.85% $100,000 Compare
60 Mo CD
1.01% $1,000 Compare
60 Mo CD
1.11% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $1 Compare
Money Market
0.08% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7085
Date Established 1865
Assets $ 202.56 million
Loans $ 105.52 million
Deposits $ 173.89 million
Capital $ 27.30 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 3.67 million
Interest-bearing balances $ 0.97 million
Total securities $ 89.30 million
Federal funds sold and reverse repurchase $ 0.08 million
Net loans and leases $ 105.52 million
Loan loss allowance $ 1.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.08 million
Goodwill and other intangibles N.A.
All other assets $ 3.91 million
     Total Assets $ 175.26 million

LIABILITIES
Total deposits $ 173.89 million
      Interest-bearing deposits $ 123.29 million
      Deposits held in domestic offices $ 173.89 million
      % insured (estimated)" 82.30%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.76 millionn
      Total Liabilities $ 175.26 million
      Shareholders’ Equity $ 27.30 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 9.77 million
Total Interest Expense $ 1.15 million
Net interest income $ 8.62 million
Provision for loan and lease losses $ 0.07 million
Total non interest income $ 0.81 million
Total non interest expense $ 6.20 million
Pre-tax Net Operating Income $ 0.98 million

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