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 The First National Bank of Dryden
The First National Bank of Dryden
| RSSD ID 241009 | CERTIFICATE 7031 | ABA NUMBER 21307164 |
| 7 West Main Street |
Quarter Ended : |
2025-09-30 |
| Dryden, New York, 13053 |
Updated : |
2025-10-22 |
| www.drydenbank.com |
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| Institution Profile |
| Year Opened : |
1902 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
3 |
Number of Employees : |
40 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 214,216 |
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Total Interest Income | 6,805 |
| Total Liabilities | 190,642 |
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Total NonInterest Income | 269 |
| Total Bank Equity Capital | 23,574 |
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Total Interest Expense | 304 |
| Total Deposits | 190,372 |
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Total NonInterest Expense | 2,908 |
| Net Loans & Leases | 97,055 |
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Net Income | 2,672 |
| Loan Loss Allowance | 1,216 |
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Net Charge Offs | 115 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 97,184 |
| Total assets for the leverage ratio | 204,284 |
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Loans secured by real estate: | 66,221 |
| Tier 1 Leverage Ratio | 13.1 |
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Commercial and industrial loans | 12,267 |
| Off Balance Sheet Exposures (%) | 4.19 |
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Loans to individuals - Credit Cards | 393 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 18,086 |
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:· The First National Bank of Dryden
