FIRST NATIONAL BANK OF DRYDEN, THE

DRYDEN, NY | Small | Est. Jan. 1, 1902, midnight | FDIC #7031 | RSSD #241009 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF DRYDEN, THE is asn small FDIC-insured commercial bank headquartered in DRYDEN, NY, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $203M and total deposits of $180M. Profitability stands at 0.64% ROA and 5.68% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 11.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 2.12%. FDIC Certificate #7031.

Assets

$203M

Deposits

$180M

Loans

$100M

Equity

$23M

Profitability

Return on Assets (ROA) 0.64%
Return on Equity (ROE) 5.68%
Net Interest Margin (NIM) 4.56%
Yield on Assets 4.83%
Cost of Funds 0.28%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.15%
Texas Ratio 2.12%
NPA Ratio 0.26%
ACL / Loans 1.41%

Capital & Liquidity

CET1 Ratio 11.47%
Tier 1 Capital 11.47%
Total Capital Ratio 12.04%
Leverage Ratio 13.24%
Loan-to-Deposit 55.82%

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