Total Assets
$203M
Total balance-sheet footings
FDIC Cert #7085 · Groton, New York · Est. 1865
The First National Bank of Groton - FDIC Bank Health Profile
A community-scale look at The First National Bank of Groton's own numbers, pulled straight from its quarterly FDIC Call Report.
- $203M
- Total assets
- B
- Health grade · Good
- 1.30%
- Return on assets
- 14.7%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Groton earns a PlainBankData health grade of B (79/100), with well-capitalized at 14.73% Tier 1, profitable at 1.30% ROA, 66% efficiency ratio.
- #2,990
- largest of 4,313 FDIC banks by assets
- 31st
- percentile by asset size, nationally
- 14.73%
- Tier 1 ratio - above the 10% well-capitalized line
- 64th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The First National Bank of Groton's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Groton's composite health score
Tier 1 Capital Ratio (14.73%) 35/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (6.68%) 16/20
Efficiency Ratio (65.65%) 8/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$174M
Customer-funded liabilities
Net Loans
$106M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Groton ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Groton's score of 79/100 falls in the highlighted band.
The First National Bank of Groton's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Groton's $203M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.73%
Texas Ratio
6.68%
Equity Capital
$27M
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
10.25%
Efficiency Ratio
65.65%
What the numbers say about The First National Bank of Groton
The First National Bank of Groton is an FDIC-insured institution (Certificate #7085) headquartered in Groton, New York, established in 1865. It holds $203M in total assets - 2,990th of 4,313 FDIC-insured banks, $174M in customer deposits, and $106M in net loans. Its capital position: a Tier 1 ratio of 14.73%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 6.68% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (79 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank of Groton sits 102nd of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$10M
Interest Income
$814K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Groton reports a Texas Ratio of 6.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Groton (FDIC Cert #7085) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is The First National Bank of Groton's health grade?▼
The First National Bank of Groton receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The First National Bank of Groton?▼
The First National Bank of Groton holds $203M in total assets and $174M in deposits, ranking 2,990th of 4,313 FDIC-insured banks by asset size. It is headquartered in Groton, New York.
Is my money safe at The First National Bank of Groton?▼
Yes, deposits at The First National Bank of Groton (Certificate #7085) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Groton's Tier 1 Capital Ratio?▼
The First National Bank of Groton has a Tier 1 Capital Ratio of 14.73%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank of Groton?▼
The First National Bank of Groton has a Texas Ratio of 6.68%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The First National Bank of Groton?▼
The First National Bank of Groton has an Efficiency Ratio of 65.65%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Groton's profile as a depositor or analyst.
- The First National Bank of Groton's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Groton against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.