| Weiss Ratings |
The First National Bank of Groton
Groton, NY |
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| Rating | ||||
| Asset Quality Index | 6.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 7.30 | |||
| Company Info |
The First National Bank of Groton
Groton, NY |
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| FDIC Number | 7085 | |||
| Phone Number | (607) 898-5871 | |||
| Website | www.grotonbank.com | |||
| Asset Quality |
The First National Bank of Groton
Groton, NY |
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| 1-Year Asset Growth | 3.33% | |||
| 5-Year Asset Growth | 0.06% | |||
| 5-Year Charge-Offs to Average Loans | 0.30% | |||
| Charge-Offs to Average Loans | 0.08% | |||
| Non-Performing Assets to Assets | 0.43% | |||
| Non-Performing Loans to Capital | 5.30% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
The First National Bank of Groton
Groton, NY |
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| Total Assets | 203.88M | |||
| Total Deposits | 175.14M | |||
| Capital and Reserves |
The First National Bank of Groton
Groton, NY |
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| Capital | 27.53M | |||
| Leverage Ratio | 14.58 | |||
| Loan Loss Reserves to Loans | 1.30% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The First National Bank of Groton
Groton, NY |
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| Hot Money Ratio | 14.22% | |||
| Liquidity Ratio | 24.90% | |||
| Profitability |
The First National Bank of Groton
Groton, NY |
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| 5-Year Return on Average Assets | 0.82% | |||
| Net Income | 1.34M | |||
| Net Interest Spread | 4.38% | |||
| Operating Profit to Average Assets | 1.53% | |||
| Overhead Efficiency Ratio | 65.41% | |||
| Return on Assets | 1.27% | |||
| Return on Equity | 9.76% | |||