The First National Bank of Groton
Also written as FNB of Groton
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Groton is an FDIC-insured commercial bank headquartered in Groton, NY, supervised by the OCC, with $203.9M in total assets at Q2 2026, up 3.3% from Q2 2025, the 89th largest of 105 banks headquartered in New York. It was established in 1865 and holds FDIC certificate 7085. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.58% 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
- 7085
- Headquarters
- Groton, NY
- Established
- 1865
- Total assets, Q2 2026
- $203.9M
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 14.58%
- Domestic offices
- 2 · The First National Bank of Groton branches FDIC institution directory, current count
- Routing number
- 021305991
- Safety and soundness
- Is The First National Bank of Groton safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Groton call report
- Asset rank in state
- 89th of 105 in New York
Problem loans are rising at The First National Bank of Groton. Based in Groton, New York, it had $204 million in assets at June 30, 2026, up 3.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.62% of loans from 1.19% a year earlier. It pays an average of 0.69% on its deposits and borrowings, about a third the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also funds 14.58% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 20% from a year earlier, to $670,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.6 million equal 15% of Tier 1 capital, down from 21% a year earlier.
As of June 30, 2026, The First National Bank of Groton reported a return on assets of 1.26%, a nonperforming-loan ratio of 1.62% and a Texas ratio of 7.23%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, The First National Bank of Groton is the 89th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.0% to $203.9M, loans were flat and deposits fell 5.0%. 1-4 family residential loans made up 61.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 9.0%. Its 2 offices in the FDIC Summary of Deposits are in Groton, NY and Moravia, NY; its Groton office books 67% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Groton meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 159 Main St, Groton, NY 13073
- 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
- May 1, 1865
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $175.1M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $212.6M
- Average total loans
- $105.9M
- Average interest-bearing deposits
- $127.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7085
- Fed RSSD
- 917500
- Website
- www.grotonbank.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 Groton reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Groton's total assets ranged from $196.3M (Q3 2024) to $212.5M (Q1 2026), and it earned a profit in 11 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 $197.3M; $176.3M total liabilities against $172.3M.
$104.5M net loans and leases against $100.7M; $175.1M total deposits against $171.4M.
$90.6M securities against $83.6M; $4.1M cash and balances due against $8.8M.
$2.6M total interest income against $2.4M; $312K total interest expense against $285K.
$2.2M net interest income against $2.1M.
$215K total noninterest income against $195K; $1.6M total noninterest expense against $1.6M.
$11K provision for credit losses against $98K.
$670K net income against $558K.
1.26% return on assets against 1.09%; 4.39% net interest margin against 4.36%.
14.58% tier 1 leverage ratio against 14.29%.
Inside the full The First National Bank of Groton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Groton rankings
Its closest position to the top of a national ranking is 925 of 3,640, for Texas Ratio; its furthest is 2,935 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.45% (Q3 2024) to 1.62% (Q3 2025) and its net interest margin ran from 3.45% (Q3 2024) to 4.48% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.58% | 1.26% | 1.62% | 7.23% | 4.39% |
| Q1 2026 | 14.75% | 1.28% | 1.54% | 5.66% | 4.37% |
| Q4 2025 | 14.73% | 1.20% | 1.79% | 6.94% | 4.48% |
| Q3 2025 | 14.90% | 1.62% | 1.76% | 6.43% | 4.48% |
| Q2 2025 | 14.29% | 1.09% | 1.19% | 4.63% | 4.36% |
| Q1 2025 | 14.31% | 1.24% | 1.28% | 4.89% | 4.27% |
| Q4 2024 | 14.27% | 1.29% | 1.46% | 6.46% | 4.13% |
| Q3 2024 | 14.48% | -3.45% | 2.25% | 9.01% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Groton | Groton , NY | 13073 | $116.6M |
| Moravia Branch | Moravia , NY | 13118 | $58.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 135 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $400K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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
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Frequently asked about The First National Bank of Groton
What are The First National Bank of Groton's total assets?
As of the Q2 2026 filing, The First National Bank of Groton reported total assets of $203.9 million in its FFIEC call report.
Where is The First National Bank of Groton headquartered?
It is headquartered in Groton, NY, United States.
When was The First National Bank of Groton founded?
It was established in 1865, per the FDIC institution directory.
Is The First National Bank of Groton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7085). 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 Groton?
The First National Bank of Groton's primary federal regulator is the OCC.
How many branches does The First National Bank of Groton operate?
It operates 2 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 Groton's Texas Ratio?
Its Texas Ratio is 7.23% 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.
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