Compared with New York
4 of 11
compared fees are above the median.
5 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
53rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 11 compared; 5 below, 2 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for The First National Bank of Dryden at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New York median | Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The First National Bank of Dryden's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (53rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $51K in Q2 2026, 6.3% above the same quarter a year earlier ($48K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 11 compared published fees sit above the New York median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New York medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.8% from Q3 2025 to Q2 2026, to $51K. Its share of revenue, 2.2%, is above the 2.1% median for banks with under $300M in assets.
$51K
The First National Bank of DrydenMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The First National Bank of Dryden · $204M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The First National Bank of Dryden(this institution) | Dryden, NY | $204M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Badger Bank | Fort Atkinson, WI | $206M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank 21 | Carrollton, MO | $202M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Commerce | Chelsea, OK | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Delight | Delight, AR | $201M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carroll County Trust Company of Carrollton, Missouri | Carrollton, MO | $208M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commonwealth Co-operative Bank | Hyde Park, MA | $205M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community State Bank | Lamar, CO | $208M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Elkton Bank & Trust Company | Elkton, KY | $199M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| ESB Bank | Caledonia, MN | $209M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers & Merchants Bank & Trust | Burlington, IA | $208M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fidelity Bank | Savanna, IL | $199M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Cahawba Bank | Selma, AL | $206M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First FSB of Mascoutah | Mascoutah, IL | $207M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gouverneur Savings and Loan Association | Gouverneur, NY | $199M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Halstead Bank | Halstead, KS | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Horizon Financial Bank | Munich, ND | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lineage Bank | Franklin, TN | $198M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnstar Bank National Association | Lake Crystal, MN | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| New Haven Bank | New Haven, CT | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Paper City Savings Bank, S.A. | Wisconsin Rapids, WI | $208M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PeoplesTrust Bank | Hamilton, AL | $201M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Simmesport State Bank | Simmesport, LA | $198M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southern Hills Community Bank | Leesburg, OH | $210M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First National Bank of Groton | Groton, NY | $204M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Portage County Bank | Almond, WI | $210M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.48 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026.
Monthly maintenance fee in dollars, one mark per institution
The First National Bank of Dryden does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026. Total assets from FDIC and NCUA records.
Call reports for The First National Bank of Dryden (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $51K | +$4K | +8.5% |
| Q1 2026 | $47K | $0 | 0.0% |
| Q4 2025 | $47K | −$6K | −11.3% |
| Q3 2025 | $53K | +$5K | +10.4% |
| Q2 2025 | $48K | +$15K | +45.5% |
| Q1 2025 | $33K | −$20K | −37.7% |
| Q4 2024 | $53K | +$6K | +12.8% |
| Q3 2024 | $47K | +$24K | +104.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The First National Bank of Dryden left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The First National Bank of Dryden by share.
Amounts from The First National Bank of Dryden’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per day
per day
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Checking & Statement Savings Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Passbook Fee | $25Not compared: Quarterly charge, not monthly | per quarter | None |
| Temporary Statements | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Check Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Wire Transfers | |||
| Wires: Outgoing – Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wires: Incoming – Customer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wires: Outgoing – Foreign | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Bank Draft – First Per Day: Free, Each After | $5Not compared: Daily charge, not per item | per day | None |
| Money Order – First Per Day: Free, Each After | $2Not compared: Daily charge, not per item | per day | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Copies of checks | $2Not compared: Charged per page; comparison unavailable | per page | None |
Account Services | |||
| Tax Levy | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Copies of Statement | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Fax: Local | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax: Non-Local | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax: Out of State | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The First National Bank of Dryden operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $179.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $96.2M | |
| Outside a metro area | 2 | $83.4M |
Ithaca, NY
3.3% of bank deposits, #8 of 11, down 1.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Tompkins Community Bank | 63.1% |
| Manufacturers and Traders Trust Company | 8.9% |
| JPMorgan Chase Bank, National Association | 6% |
| Chemung Canal Trust Company | 4.1% |
| The First National Bank of Groton | 4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Ithaca, NY, The First National Bank of Dryden holds 3.3% of bank deposits, #8 of 11, with 1 office.
32 offices of 15 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 11 institutions shown. $2.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.3% share, 1 office, #8 of 11
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
11 offices of 4 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.