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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 : |
2025-12-31 |
| Dryden, New York, 13053 |
Updated : |
2026-01-21 |
| 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 : |
41 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 203,426 |
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Total Interest Income | 9,125 |
| Total Liabilities | 180,091 |
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Total NonInterest Income | 379 |
| Total Bank Equity Capital | 23,335 |
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Total Interest Expense | 435 |
| Total Deposits | 179,800 |
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Total NonInterest Expense | 4,562 |
| Net Loans & Leases | 98,957 |
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Net Income | 3,005 |
| Loan Loss Allowance | 1,411 |
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Net Charge Offs | 152 |
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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 | 99,493 |
| Total assets for the leverage ratio | 204,300 |
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Loans secured by real estate: | 68,008 |
| Tier 1 Leverage Ratio | 13.24 |
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Commercial and industrial loans | 12,546 |
| Off Balance Sheet Exposures (%) | 5.18 |
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Loans to individuals - Credit Cards | 408 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 18,288 |
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:· The First National Bank of Dryden
