BlastPoint's Banking Scorecard
The First National Bank of Dryden
Micro
Specialty: Other
NY
FDIC cert 7031
Designations: ✓ Community bank
Dryden, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
The First National Bank of Dryden demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.24% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.4M
-1.3% YoY
-5.0% QoQ
|
-$14.1M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$99.0M
+9.0% YoY
+2.0% QoQ
|
-$40.2M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$179.8M
-3.8% YoY
-5.6% QoQ
|
-$3.9M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.43%
+10.5% YoY
-15.0% QoQ
|
+0.34% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.40%
+5.0% YoY
+1.3% QoQ
|
+0.54% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
50.30%
-0.3% YoY
+17.1% QoQ
|
-17.42% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
1.43%
+66.2% YoY
+8.9% QoQ
|
+0.79% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
55.04%
+13.3% YoY
+8.0% QoQ
|
-19.49% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
39.63%
+8.4% YoY
+4.3% QoQ
|
+17.24% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.69%
+67.8% YoY
+16.9% QoQ
|
+0.24% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
+4.9% YoY
+48.4% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.63%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.63% · Tier avg: 22.39%
90
90th pctile
Efficiency Ratio
Current: 50.30% · Tier avg: 67.73%
75
75th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
54
54th pctile
Total Deposits
Current: $179.8M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $203.4M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Loans
Current: $99.0M · Tier avg: $139.2M
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
18
18th pctile
Loan-to-Deposit Ratio
Current: 55.04% · Tier avg: 74.53%
Top Weaknesses
18
18th pctile
Loan-to-Deposit Ratio
Current: 55.04% · Tier avg: 74.53%
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
43
43th pctile
Total Loans
Current: $99.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Assets
Current: $203.4M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $179.8M · Tier avg: $183.7M
71
71th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.08%
75
75th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
90
90th pctile
Efficiency Ratio
Current: 50.30% · Tier avg: 67.73%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.63% · Tier avg: 22.39%