BlastPoint's Banking Scorecard
The First National Bank of Groton
Micro
Specialty: Other
NY
FDIC cert 7085
Designations: ✓ Community bank
Groton, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
The First National Bank of Groton shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$202.6M
+1.6% YoY
+0.8% QoQ
|
-$14.9M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$105.5M
+6.7% YoY
+3.2% QoQ
|
-$33.7M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$173.9M
-0.5% YoY
+0.5% QoQ
|
-$9.8M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.30%
-2.2% QoQ
|
+0.22% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
4.43%
+15.4% YoY
+0.7% QoQ
|
+0.57% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
65.65%
-9.7% YoY
+0.1% QoQ
|
-2.08% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
1.81%
+22.6% YoY
+1.5% QoQ
|
+1.17% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
60.68%
+7.2% YoY
+2.7% QoQ
|
-13.85% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
29.10%
-0.8% YoY
-4.8% QoQ
|
+6.71% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.98%
+21.1% YoY
+8.0% QoQ
|
+0.53% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
20% |
| 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 ? |
0.40%
-3.5% YoY
+31.1% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
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
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.10% · Tier avg: 22.39%
65
65th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.08%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
53
53th pctile
Total Deposits
Current: $173.9M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $202.6M · Tier avg: $217.5M
51
51th pctile
Efficiency Ratio
Current: 65.65% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Total Loans
Current: $105.5M · Tier avg: $139.2M
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.68% · Tier avg: 74.53%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.81% · Tier avg: 0.64%
Top Weaknesses
15
15th pctile
Delinquency Rate
Current: 1.81% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.68% · Tier avg: 74.53%
45
45th pctile
Total Loans
Current: $105.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.65% · Tier avg: 67.73%
52
52th pctile
Total Assets
Current: $202.6M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $173.9M · Tier avg: $183.7M
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
65
65th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.08%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.10% · Tier avg: 22.39%
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%