The First National Bank of Dryden
Dryden, NY
IDRSSD: 241009
Total Assets
$214.22M
Latest filing
Total Deposits
$190.37M
Latest filing
Net Interest Margin
4.36%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Dryden
7 West Main Street
Dryden, NY 13053
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1902FDIC Certificate 4700
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Dryden (Main) | 7 West Main Street | Dryden, NY |
| CORTLAND BRANCH | 853 Route 13 | Cortland, NY |
| HOMER OFFICE BRANCH | 12 S Main St | Homer, NY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 13053 |
| State and County Number | 36109 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Ithaca, NY |
Operational Info
| Number of Employees | 41 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/31/2006 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.drydenbank.com |
| Data Updated | 11/14/2025 |
| CERT | 7031 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $214.22M |
| Total Deposits | $190.37M |
| Total Liabilities | $190.64M |
| Total Equity Capital | $23.57M |
| Net Income | $609.00k |
| Net Loans and Leases | $97.06M |
| Assets Per Employee ($Millions) | $5.36M |
| Bank Premises and Fixed Assets | $2.03M |
| Cash and Balances due from Depository Institutions | $34.15M |
| Deposits Held in Domestic Offices | $190.37M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 10.78% |
| Net Interest Margin | 4.36% |
| Efficiency Ratio | 41.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.005% |
| Earning Assets to total Assets | 94.3% |
Income and Expense
| Total Interest Income | $2.30M |
| Total Noninterest Income | $103.00k |
| Total Interest Expense | $108.00k |
| Total Noninterest Expense | $958.00k |
| Net Interest Income | $2.19M |
| Pre-tax Net Operating Income | $1.33M |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $270.00k |
| Total Liabilities and Capital | $214.22M |
Securities
| Securities | $74.38M |
| Available-for-sale debt securities | $72.09M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.29M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Dryden?
$214.22M as of the latest filing.
How much are The First National Bank of Dryden's total deposits?
$190.37M in total deposits.
Where is The First National Bank of Dryden located?
Dryden, NY.
What is the Net Interest Margin?
4.36%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$97.06M (latest filing).
What is the total interest income (latest filing)?
$2.30M.