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
Unfavorable gap of $5.5M · efficiency ratio beats 57% 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 | 1.31% | 0.60% | 1.01% | 1.45% | Beats 69% | 198 / 629 | | |
| Return on Equity | 9.73% | 5.38% | 9.30% | 13.28% | Beats 52% | 300 / 629 | | |
| Net Interest Margin | 4.18% | 3.03% | 3.54% | 4.05% | Beats 81% | 120 / 629 | | |
| Efficiency Ratio | 65.41% | 58.35% | 67.79% | 79.08% | Beats 57% | 269 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.62% | 0.09% | 0.46% | 1.20% | Beats 17% | 484 / 581 | | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 13% | 504 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.58% | 11.24% | 13.84% | 18.77% | Beats 56% | 274 / 629 | | |
| Total Risk-Based Capital Ratio | 14.58% | 11.58% | 14.43% | 19.66% | Beats 51% | 309 / 629 | | |
| Equity / Assets | 13.50% | 9.09% | 10.65% | 13.80% | Beats 73% | 169 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.44% | 67.24% | 80.90% | 93.48% | 18th pctl | 486 / 594 | | |
| Loans / Assets | 51.92% | 53.31% | 67.71% | 78.15% | 23rd pctl | 482 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |