The First National Bank of Dryden
BankRegReports is independent of The First National Bank of Dryden and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Dryden is an FDIC-insured commercial bank headquartered in Dryden, NY, established in 1902 (FDIC certificate 7031), and it is supervised by the OCC. At Q2 2026 it reported total assets of $203.9M, down 4.1% from Q2 2025, the 90th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7031
- Headquarters
- Dryden, NY
- Established
- 1902
- Total assets, Q2 2026
- $203.9M
- Assets vs Q2 2025
- -4.1%
- Tier 1 leverage ratio, Q2 2026
- 13.55%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 021307164
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Dryden call report
- Asset rank in state
- 90th of 105 in New York
The First National Bank of Dryden, based in Dryden, New York, reported $204 million in assets at June 30, 2026, down 4.1% from a year earlier. It pays an average of 0.28% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 5.8% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Earnings fell sharply: quarterly net income of $591,000 was 40% below a year earlier. Over the same year, loans grew 7.0% and deposits shrank 5.8%.
As of June 30, 2026, The First National Bank of Dryden reported a return on assets of 1.15%, a nonperforming-loan ratio of 0.93% and a Texas ratio of 4.08%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Dryden is the 90th largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets fell 3.5% to $203.9M, loans rose 0.8% and deposits fell 4.3%. 1-4 family residential loans made up 55.8% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 12.2%. The FDIC Summary of Deposits lists 3 offices for it, in Dryden, NY, Cortland, NY and Homer, NY; its Dryden office books 54% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Dryden meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7 West Main Street, Dryden, NY 13053
- County
- Tompkins
- Metro Area
- Ithaca, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $179.6M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $298K
- Average total assets
- $206.4M
- Average total loans
- $101.7M
- Average interest-bearing deposits
- $112.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7031
- Fed RSSD
- 241009
- Website
- www.drydenbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Dryden reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Dryden's total assets moved between a low of $203.4M (Q4 2025) and a high of $229.2M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$203.9M total assets against $212.6M; $179.7M total liabilities against $191.0M.
$100.6M net loans and leases against $94.2M; $179.6M total deposits against $190.7M.
$70.9M securities against $82.5M; $22.6M cash and balances due against $27.1M.
$2.3M total interest income against $2.3M; $129K total interest expense against $99K.
$2.2M net interest income against $2.2M.
$107K total noninterest income against $95K; $1.3M total noninterest expense against $1.0M.
$238K provision for credit losses against $6K.
$591K net income against $977K.
1.15% return on assets against 1.87%; 4.50% net interest margin against 4.35%.
13.55% tier 1 leverage ratio against 12.60%.
Inside the full The First National Bank of Dryden terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Dryden rankings
Its closest position to the top of a national ranking is 1,220 of 3,606, for efficiency ratio; its furthest is 2,936 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.21% (Q4 2024) to 2.09% (Q1 2025) and its net interest margin ran from 4.22% (Q1 2025) to 4.52% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 1.15% | 0.93% | 4.08% | 4.50% |
| Q1 2026 | 13.31% | 1.81% | 0.92% | 4.07% | 4.43% |
| Q4 2025 | 13.24% | 0.65% | 1.41% | 5.71% | 4.52% |
| Q3 2025 | 13.10% | 1.19% | 1.29% | 5.13% | 4.48% |
| Q2 2025 | 12.60% | 1.87% | 1.00% | 4.17% | 4.35% |
| Q1 2025 | 12.40% | 2.09% | 0.80% | 3.76% | 4.22% |
| Q4 2024 | 12.42% | -0.21% | 0.85% | 4.16% | 4.44% |
| Q3 2024 | 12.56% | 1.52% | 1.17% | 4.75% | 4.32% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Dryden | Dryden , NY | 13053 | $96.2M |
| Cortland Branch | Cortland , NY | 13045 | $53.8M |
| Homer Office Branch | Homer , NY | 13077 | $29.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 134 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $63K approved, $63K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The First National Bank of Dryden’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The First National Bank of Dryden
What are The First National Bank of Dryden's total assets?
As of the Q2 2026 filing, The First National Bank of Dryden reported total assets of $203.9 million in its FFIEC call report.
Where is The First National Bank of Dryden headquartered?
It is headquartered in Dryden, NY, United States.
When was The First National Bank of Dryden founded?
It was established in 1902, per the FDIC institution directory.
Is The First National Bank of Dryden FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Dryden?
The First National Bank of Dryden's primary federal regulator is the OCC.
How many branches does The First National Bank of Dryden operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Dryden's Texas Ratio?
Its Texas Ratio is 4.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The First National Bank of Dryden.
Get an email when The First National Bank of Dryden files its next call report, and benchmark it against any peer you choose.
Unlock The First National Bank of Dryden, freeFree account