| 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 | 3.50 | |||
| Profitability Index | 5.00 | |||
| Stability Index | 6.30 | |||
| 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 | 2.35% | |||
| 5-Year Asset Growth | 1.82% | |||
| 5-Year Charge-Offs to Average Loans | 0.33% | |||
| Charge-Offs to Average Loans | 0.10% | |||
| Non-Performing Assets to Assets | 0.27% | |||
| Non-Performing Loans to Capital | 5.84% | |||
| Non-Performing Loans to Loans | 0.52% | |||
| Balance Sheet |
The First National Bank of Groton
Groton, NY |
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| Total Assets | 200.96M | |||
| Total Deposits | 173.07M | |||
| Capital and Reserves |
The First National Bank of Groton
Groton, NY |
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| Capital | 27.12M | |||
| Leverage Ratio | 14.90 | |||
| Loan Loss Reserves to Loans | 1.24% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The First National Bank of Groton
Groton, NY |
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| Hot Money Ratio | 13.69% | |||
| Liquidity Ratio | 29.63% | |||
| Profitability |
The First National Bank of Groton
Groton, NY |
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| 5-Year Return on Average Assets | 0.78% | |||
| Net Income | 2.01M | |||
| Net Interest Spread | 4.37% | |||
| Operating Profit to Average Assets | 1.60% | |||
| Overhead Efficiency Ratio | 65.59% | |||
| Return on Assets | 1.32% | |||
| Return on Equity | 10.66% | |||