We Provide the following Loan Products

  • Automobiles, Motorcycles, Recreational Vehicles, and Boats
  • Personal
  • Residential Real Estate
  • Commercial Real Estate
  • Home Equity Lines of Credit
  • Construction
  • Home Improvements
  • Manufactured Housing
  • Rental Property
  • Second Homes
  • Vacant Land
  • Agricultural
  • Overdraft Protection
  • Visa / MasterCard (click here to view terms and agreement)

We offer Automatic Monthly / Bi-weekly Loan Payments as well as Life or Disability Insurance on Mortgages and Loans.

Are you looking to see how much of a mortgage you can afford? You can print our Mortgage Pre-Qualification Request Form (you will need Adobe AcrobatReader® to open the form) Please remit a $50 fee with your prequalification request which will be refunded at the time of closing with our Bank.

Commercial or Residential - We pay the closing costs on all refinanced mortgages!

DNB will pay all closing costs on all refinanced Commercial & Residential Mortgages. Available for any term of Fixed or Adjustable rate mortgage.

Please contact bank for details, as certain restrictions apply. Reimbursement of third party fees paid by DNB is required if the loan is terminated prior to the three year anniversary of loan funding. Commercial loans are also subject to a pre-payment penalty.

Loan Products

Our Loan Department is dedicated to serving our customer's borrowing needs. We have created the lending services which you have asked for.

  • Main Bank Contact Information

    124 Main Street
    Delhi , NY 13753


    Call Us
    General Calls: 855-413-3544
    General Fax: 855-450-1433

  • Margaretville Branch

    42568 ST HWY 28
    Margaretville, NY 12455


    Call Us
    General Calls : 855-423-3544
    General Fax: 855-450-1431

  • Davenport Branch

    PO Box 25
    West Davenport, NY 13860


    Call Us
    General Calls: 855-433-3544
    General Fax: 855-450-1432

    Mon: 10:00AM
    Tue: 10:00AM
    Wed: 10:00AM
    Thu: 10:00AM
    Fri: 10:00AM
    Sat: 10:00AM
    Sun: 10:00AM

  • Hobart Branch

    1058 Main Street
    Hobart, NY 13788


    Call Us
    General Calls : 855-443-3544
    General Fax: 607-538-3072

  • Oneonta Loan Office

    265 Main Street Suite 7
    Oneonta, NY 13820


    Call Us
    General Calls : 855-403-3544
    General Fax : 607-433-2474

  • Sidney Loan Office

    276 State Highway 7
    Sidney, NY 13838


    Call Us
    Phone Number: (855) 483-3544

    Mon: 8:30AM - 5:00PM
    Tue: 8:30AM - 5:00PM
    Wed: 8:30AM - 5:00PM
    Thu: 8:30AM - 5:00PM
    Fri: 8:30AM - 5:00PM
    Sat: Closed
    Sun: Closed