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First National Bank of Dryden, The

Dryden, NY · Cert 7031

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Dryden, The

Dryden, NY · Cert 7031

National charter · OCC · 3 branches

Q2 2026

$203.9MAssets
$102.1MLoans
$179.6MDeposits
$24.2MEquity
Loan mix
69%RE $69.9M13%C&I $12.7M18%Consumer $18.0MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $107.4M40%Noninterest $72.2MQ2 2025Q2 2026

NIM

4.12%Q2 ’244.30%Q2 ’254.50%Q2 ’26+5%+3%

Non-interest income vs. expense

1.80%Q2 ’241.86%Q2 ’252.26%Q2 ’26+4%+20%

Market Position · Ithaca, NY · 2026 SOD (annual) · 3.3% share · #8 of 11 inst. · $0.1B of $2.9B

3.3% Tompkins
9.5% Cortland

Executive Summary

  • Earnings: ROA of 1.48%, down 47 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.93% of loans (-7 bps YoY), with net charge-offs at 0.58%.
  • Capital: tier 1 leverage ratio of 13.55%, up 95 bps from a year ago.
  • Funding: loans stand at 56.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%-47 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+13 bps YoY

Efficiency Ratio (YTD, annualized)

50.68%+709 bps YoY

Tier 1 Leverage Ratio

13.55%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.68%1.43%1.81%1.48%-47 bps
Return on Equity20.16%16.77%13.87%16.06%12.94%-721 bps
Net Interest Margin4.11%4.24%4.25%4.20%4.25%+13 bps
Efficiency Ratio43.59%42.95%50.30%45.57%50.68%+709 bps
Non-Interest Burden1.70%1.72%2.05%1.80%2.05%+35 bps
Growth
Asset Growth (YoY)-4.00%-1.09%-1.33%-1.68%-4.11%-10 bps
Loan Growth (YoY)9.61%9.25%9.01%8.95%7.01%-260 bps
Deposit Growth (YoY)-5.87%-2.60%-3.80%-3.34%-5.83%+4 bps
Asset Quality
Nonperforming Loans / Loans1.00%1.29%1.41%0.92%0.93%-7 bps
Net Charge-Offs / Loans0.13%0.16%0.15%0.76%0.58%+46 bps
Allowance / Loans1.32%1.24%1.41%1.35%1.47%+15 bps
Allowance Coverage of NPLs1.3x1.0x1.0x1.5x1.6x+0.3x
Capital
Tier 1 Leverage Ratio12.60%13.10%13.24%13.31%13.55%+95 bps
Total Risk-Based Capital12.60%13.10%13.24%13.31%13.55%+95 bps
Equity / Assets10.17%11.00%11.47%11.05%11.85%+167 bps
Liquidity & Funding
Loans / Deposits50.06%51.62%55.82%54.04%56.88%+682 bps
Liquid Assets / Assets12.18%15.34%9.75%13.40%10.49%-169 bps
CRE / Total Capitaln/a48.69%50.19%49.78%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Dryden, The

Dryden, NY · Cert 7031 · Peer group: banks under $1B in assets (n=570-617)

National charter · OCC · 3 branches

Q2 2026

$203.9MAssets
$102.1MLoans
$179.6MDeposits
$24.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 88% of banks under $1B in assets (rank 74 of 617).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 539 of 570).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.50%

Rank 142 of 617

Net Interest Margin

4.25%

Rank 104 of 617

Efficiency Ratio

50.68%

Rank 74 of 617

Equity / Assets

11.85%

Rank 229 of 617

Non-interest income vs. expense

$0.4M$4.7MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 88% of banks under $1B in assets
Bank 50.68%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.50%0.60%1.01%1.45%Beats 77%142 / 617
Return on Equity12.65%5.30%9.43%13.30%Beats 71%181 / 617
Net Interest Margin4.25%3.04%3.54%4.05%Beats 83%104 / 617
Efficiency Ratio50.68%58.03%67.76%79.08%Beats 88%74 / 617
Asset Quality
Nonperforming Loans / Loans0.93%0.09%0.47%1.27%Beats 32%387 / 570
Net Charge-Offs / Loans0.29%n/a0.01%0.06%Beats 6%539 / 570
Capital
Tier 1 Capital Ratio13.55%11.18%13.83%18.55%Beats 48%323 / 617
Total Risk-Based Capital Ratio13.55%11.56%14.39%19.39%Beats 43%349 / 617
Equity / Assets11.85%9.03%10.55%13.63%Beats 63%229 / 617
Liquidity & Funding
Loans / Deposits56.88%64.77%79.70%93.06%16th pctl486 / 582
Loans / Assets50.09%51.70%67.18%77.51%24th pctl472 / 617
Brokered Deposits / Depositsn/aNot reported for this institution