First National Bank of Dryden, The
Dryden, NY · Cert 7031 · Peer group: banks under $1B in assets (n=581-629)
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 79 of 629).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 549 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.50%
Rank 146 of 629
Net Interest Margin
4.25%
Rank 109 of 629
Efficiency Ratio
50.68%
Rank 79 of 629
Equity / Assets
11.85%
Rank 239 of 629
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 88% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.60% | 1.01% | 1.45% | Beats 77% | 146 / 629 | | |
| Return on Equity | 12.65% | 5.38% | 9.30% | 13.28% | Beats 71% | 183 / 629 | | |
| Net Interest Margin | 4.25% | 3.03% | 3.54% | 4.05% | Beats 83% | 109 / 629 | | |
| Efficiency Ratio | 50.68% | 58.35% | 67.79% | 79.08% | Beats 88% | 79 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.09% | 0.46% | 1.20% | Beats 32% | 397 / 581 | | |
| Net Charge-Offs / Loans | 0.29% | n/a | 0.01% | 0.06% | Beats 6% | 549 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.55% | 11.24% | 13.84% | 18.77% | Beats 48% | 330 / 629 | | |
| Total Risk-Based Capital Ratio | 13.55% | 11.58% | 14.43% | 19.66% | Beats 43% | 359 / 629 | | |
| Equity / Assets | 11.85% | 9.09% | 10.65% | 13.80% | Beats 62% | 239 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.88% | 67.24% | 80.90% | 93.48% | 15th pctl | 504 / 594 | | |
| Loans / Assets | 50.09% | 53.31% | 67.71% | 78.15% | 21st pctl | 495 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |