BlastPoint's Banking Scorecard

The First National Bank of Dryden

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

Dryden, NY

3 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

The First National Bank of Dryden has 3 strengths but faces 3 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 51.1% in tier
+ Efficiency Ratio 19.72% below tier average
+ ROA 0.54% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 37.2% in tier
- Credit Quality Pressure: Bottom 41.7% in tier
- Margin Compression: Bottom 54.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$211.2M -1.7% YoY +3.8% QoQ	-$174.9M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$100.0M +9.0% YoY +1.0% QoQ	-$155.7M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$187.6M -3.3% YoY +4.3% QoQ	-$140.4M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	1.81% -12.4% YoY +26.5% QoQ	+0.54%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.52% +6.0% YoY +2.8% QoQ	+0.59%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	45.57% +7.9% YoY -9.4% QoQ	-19.72%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Top 9.5% in tier
Delinquency Rate ?	0.94% +15.9% YoY -34.5% QoQ	+0.05%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	53.31% +12.8% YoY -3.1% QoQ	-23.33%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Top 12.2% in tier
Non-Interest-Bearing Deposit Share ?	38.90% +8.2% YoY -1.9% QoQ	+16.88%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Top 5.7% in tier
Nonperforming Asset Ratio ?	0.48% +24.5% YoY -31.4% QoQ	-0.16%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	13.31% +7.3% YoY +0.5% QoQ	-2.52%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.05% +54.7% YoY -72.6% QoQ	-0.23%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	20%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#140 of 272 • Top 51.1% 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: 38.90%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.52%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#363 of 973 • Bottom 37.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#547 of 1308 • Bottom 41.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.94%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Margin Compression

decline

#166 of 305 • Bottom 54.1% 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: 1.81%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

154

Non-Interest-Bearing Deposit Share

funding

Value: 38.90%

Peer Median: 22.02%

#154 of 2664 Top 5.7% in $100M-$1B

253

Efficiency Ratio

profitability

Value: 45.57%

Peer Median: 65.29%

#253 of 2664 Top 9.5% in $100M-$1B

326

Loan-to-Deposit Ratio

liquidity

Value: 53.31%

Peer Median: 76.64%

#326 of 2664 Top 12.2% in $100M-$1B

465

Net Interest Margin

profitability

Value: 4.52%

Peer Median: 3.93%

#465 of 2664 Top 17.4% in $100M-$1B

483

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.27%

#483 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (2 metrics)

2140

Total Loans

size

Value: $99.99M

Peer Median: $255.72M

#2140 of 2664 Bottom 19.7% in $100M-$1B

2132

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2132 of 2664 Bottom 20.0% in $100M-$1B