🏦Bank Scorer

THE FIRST NATIONAL BANK OF GROTON

GROTON, NY · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1865FDIC #7,085
Outstanding Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.29%

Institution Profile

FDIC BankFind

Address

159 Main St, GROTON, NY

County

Tompkins County

Established

May 1, 1865

Total Assets

$212M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 2, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$212M

Total Deposits

$184M

Net Loans

$104M

Net Income

$669K

ROA

1.29%

ROE

9.78%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate17.50%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$171M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248082.5%17.50%
20239485.11%14.89%
201910595.24%4.76%
201810397.09%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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