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First National Bank of Groton, The

Groton, NY · Cert 7085

National charter · OCC · 2 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=581 to 629). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

57

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 Groton, The

Groton, NY · Cert 7085

National charter · OCC · 2 branches

Q2 2026

$203.9MAssets
$105.9MLoans
$175.1MDeposits
$27.5MEquity
Loan mix
77%RE $81.4M9%C&I $9.4M14%Consumer $14.9MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $121.2M31%Noninterest $53.9MQ2 2025Q2 2026

NIM

3.92%Q2 ’244.71%Q2 ’254.76%Q2 ’26+23%+0%

Non-interest income vs. expense

2.86%Q2 ’243.07%Q2 ’252.99%Q2 ’26+8%-3%

Market Position · Ithaca, NY · 2026 SOD (annual) · 4.0% share · #5 of 11 inst. · $0.1B of $2.9B

4.0% Tompkins
3.7% Cayuga

Executive Summary

  • Earnings: ROA of 1.30%, up 12 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 1.62% of loans (+43 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 14.58%, up 29 bps from a year ago.
  • Funding: loans stand at 60.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+2 bps YoY

Efficiency Ratio (YTD, annualized)

65.41%-210 bps YoY

Tier 1 Leverage Ratio

14.58%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.33%1.30%1.29%1.30%+12 bps
Return on Equity9.71%10.63%10.25%9.78%9.77%+6 bps
Net Interest Margin4.16%4.25%4.20%4.20%4.18%+2 bps
Efficiency Ratio67.51%65.59%65.65%64.11%65.41%-210 bps
Non-Interest Burden2.68%2.64%2.62%2.56%2.60%-8 bps
Growth
Asset Growth (YoY)-0.04%2.35%1.60%1.71%3.33%+337 bps
Loan Growth (YoY)4.68%5.21%6.59%4.66%3.80%-88 bps
Deposit Growth (YoY)0.87%2.70%-0.45%0.43%2.18%+131 bps
Asset Quality
Nonperforming Loans / Loans1.19%1.76%1.79%1.54%1.62%+43 bps
Net Charge-Offs / Loans0.16%0.09%0.09%-0.01%0.08%-8 bps
Allowance / Loans1.28%1.24%1.26%1.32%1.30%+2 bps
Allowance Coverage of NPLs1.1x0.7x0.7x0.9x0.8x-0.3x
Capital
Tier 1 Leverage Ratio14.29%14.90%14.73%14.75%14.58%+29 bps
Total Risk-Based Capital14.29%14.90%14.73%14.75%14.58%+29 bps
Equity / Assets12.66%13.49%13.48%12.92%13.50%+85 bps
Liquidity & Funding
Loans / Deposits59.50%59.80%61.45%57.41%60.44%+94 bps
Liquid Assets / Assets4.78%5.07%3.46%7.31%3.31%-147 bps
CRE / Total Capitaln/a52.90%54.75%53.64%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 Groton, The

Groton, NY · Cert 7085 · Peer group: banks under $1B in assets (n=581-629)

National charter · OCC · 2 branches

Q2 2026

$203.9MAssets
$105.9MLoans
$175.1MDeposits
$27.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets (rank 120 of 629).
  • Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets (rank 504 of 581).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.31%

Rank 198 of 629

Net Interest Margin

4.18%

Rank 120 of 629

Efficiency Ratio

65.41%

Rank 269 of 629

Equity / Assets

13.50%

Rank 169 of 629

Non-interest income vs. expense

$0.8M$6.4MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 57% of banks under $1B in assets
Bank 65.41%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.60%1.01%1.45%Beats 69%198 / 629
Return on Equity9.73%5.38%9.30%13.28%Beats 52%300 / 629
Net Interest Margin4.18%3.03%3.54%4.05%Beats 81%120 / 629
Efficiency Ratio65.41%58.35%67.79%79.08%Beats 57%269 / 629
Asset Quality
Nonperforming Loans / Loans1.62%0.09%0.46%1.20%Beats 17%484 / 581
Net Charge-Offs / Loans0.13%n/a0.01%0.06%Beats 13%504 / 581
Capital
Tier 1 Capital Ratio14.58%11.24%13.84%18.77%Beats 56%274 / 629
Total Risk-Based Capital Ratio14.58%11.58%14.43%19.66%Beats 51%309 / 629
Equity / Assets13.50%9.09%10.65%13.80%Beats 73%169 / 629
Liquidity & Funding
Loans / Deposits60.44%67.24%80.90%93.48%18th pctl486 / 594
Loans / Assets51.92%53.31%67.71%78.15%23rd pctl482 / 629
Brokered Deposits / Depositsn/aNot reported for this institution