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The First National Bank of Dryden

$100M-$1B Specialty: Other NY FDIC cert 7031

Dryden, NY

3 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits -5.8% year over year ($179.6M on the books).
  • Delinquency rate 0.95%.
  • Return on assets 1.48%.
  • Efficiency ratio 50.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.04% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

The First National Bank of Dryden has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 41.4% in tier
  • + ROA 0.16% above tier average
  • + Efficiency Ratio 13.79% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 11.4% in tier
  • - Cost Spiral: Bottom 15.9% in tier
Get updates when The First National Bank of Dryden releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $203.9M
-4.1% YoY -3.5% QoQ
-$182.7M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $100.6M
+6.9% YoY +0.6% QoQ
-$157.7M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $179.6M
-5.8% YoY -4.3% QoQ
-$147.2M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 1.48%
-24.1% YoY -18.0% QoQ
+0.16% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.57%
+5.5% YoY +1.0% QoQ
+0.58% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 50.68%
+16.3% YoY +11.2% QoQ
-13.79% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.95%
-6.5% YoY +1.3% QoQ
+0.03% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 56.04%
+13.5% YoY +5.1% QoQ
-21.91% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Top 13.4% in tier
Non-Interest-Bearing Deposit Share ? 40.21%
+11.6% YoY +3.4% QoQ
+18.18% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Top 4.6% in tier
Nonperforming Asset Ratio ? 0.51%
+14.4% YoY +7.9% QoQ
-0.16% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 13.55%
+7.5% YoY +1.8% QoQ
-2.36% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.11%
+35.1% YoY +106.2% QoQ
-0.46% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 40.2%
+4.2pp YoY
+1.3pp QoQ
 +18.1pp 22.1% 22.1% 22.2% 95%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 12.4%
+0.2pp YoY
-0.3pp QoQ
 +0.9pp 11.6% 11.0% 12.5% 66%
CRE 13.7%
+1.2pp YoY
-0.1pp QoQ
 -25.9pp 39.5% 46.2% 41.4% 9%
1-4 Family 56.6%
+0.3pp YoY
+0.8pp QoQ
 +24.0pp 32.6% 36.6% 31.3% 87%
Consumer 17.6%
-1.9pp YoY
-0.4pp QoQ
 +13.5pp 4.1% 5.1% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.1% 19.7% n/a
Leverage Ratio 13.5%
+0.9pp YoY
+0.2pp QoQ
 +1.4pp 12.2% 13.9% 12.6% 79%
Total Capital Ratio n/a n/a 19.9% 27.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 42
+1 (+2.4%) YoY
+1 (+2.4%) QoQ
 -17 58 914 482 44%
Assets per Employee ($) $4.9M
-6.4% YoY
-5.8% QoQ
 -$2.7M $7.5M $14.8M $8.8M 12%
Branch Count 3
0 YoY
0 QoQ
 -2 4 27 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.3pp YoY
0.0pp QoQ
 +0.4pp 0.3% 0.1% 0.4% 87%
Nonaccrual 0.3%
-0.4pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.3% 1.0% 35%
Allowance Coverage 1.58x
+18.9% YoY
+7.6% QoQ
 -22.58x 24.15x 1.92x 20.23x 40%
Net Charge-off Rate (YTD) 0.6%
+0.5pp YoY
-0.2pp QoQ
 +0.4pp 0.1% 0.1% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 12.9%
-7.2pp YoY
-3.1pp QoQ
 +0.7pp 12.2% 7.9% 11.6% 56%
Cost of Funds (YTD) 0.3%
+0.1pp YoY
0.0pp QoQ
 -1.5pp 1.7% 1.8% 1.7% 1%
Net Income ($, YTD) $1.5M
-25.9% YoY
— QoQ
 -$1.0M $2.6M $111.2M $40.4M 42%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#116 of 278 • Top 41.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.21%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.57%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Margin Compression

decline
#36 of 307 • Bottom 11.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.48%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Cost Spiral

risk
#23 of 138 • Bottom 15.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 50.68%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

123
Non-Interest-Bearing Deposit Share
funding
Value: 40.21%
Peer Median: 22.03%
#123 of 2643 Top 4.6% in $100M-$1B
356
Loan-to-Deposit Ratio
liquidity
Value: 56.04%
Peer Median: 77.95%
#356 of 2643 Top 13.4% in $100M-$1B
478
Efficiency Ratio
profitability
Value: 50.68%
Peer Median: 64.48%
#478 of 2643 Top 18.0% in $100M-$1B
479
Net Interest Margin
profitability
Value: 4.57%
Peer Median: 3.99%
#479 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (2 metrics)

2140
Total Loans
size
Value: $100.62M
Peer Median: $258.35M
#2140 of 2643 Bottom 19.1% in $100M-$1B
2116
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2116 of 2643 Bottom 20.0% in $100M-$1B
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