What is Tioga State Bank National Association's financial health grade?

Tioga State Bank National Association has a TFS Financial Health Grade of C (score: 76.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Tioga State Bank National Association have?

Tioga State Bank National Association has 12 branch locations across the United States.

Is Tioga State Bank National Association FDIC insured?

Yes, Tioga State Bank National Association is FDIC insured (Certificate #9410).

What are the total assets of Tioga State Bank National Association?

Tioga State Bank National Association has total assets of $608.5M as reported in its most recent FDIC filing.

Tioga State Bank National Association

BankSpencer, New York

https://www.tiogabank.com

Total Assets

$608.5M

Total Deposits

$523.8M

Branches

Established

1884

TFS Health Grade

76.7 / 100

Average financial health

How we grade

Tioga State Bank National Association is a bank headquartered in Spencer, New York, established in 1884. With $608.5M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C (76.7/100).

Capital & Safety

Tier 1 Capital Ratio

11.27%(8%)

Total Capital Ratio

20.83%(10%)

Non-Performing Loan Ratio

0.76%

Profitability

Return on Assets (ROA)

0.98%(1%)

Return on Equity (ROE)

9.22%(10%)

Net Interest Margin

4.35%

Efficiency Ratio

69.38%(60%)

Lending & Liquidity

Total Loans

$382.4M

Loan-to-Deposit Ratio

71.77%

Net Charge-Off Ratio

0.32%

Growth

Asset Growth (YoY)

+9.04%

Deposit Growth (YoY)

+12.39%

Net Income

$5.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Tioga State Bank National AssociationHQ	1 N Main St	Spencer	NY	11
Tioga State Bank National Association	191 Conklin Ave	Binghamton	NY	11
Tioga State Bank National Association	1430 Upper Front St	Binghamton	NY	11
Tioga State Bank National Association	73 Main St	Candor	NY	11
Tioga State Bank National Association	510 Hooper Rd	Endwell	NY	11
Tioga State Bank National Association	716 Harry L Drive	Johnson City	NY	11
Tioga State Bank National Association	183 Main St	Newfield	NY	11
Tioga State Bank National Association	1387 State Route 96	Owego	NY	23
Tioga State Bank National Association	923 State Route 17c	Owego	NY	11
Tioga State Bank National Association	6 Main St	Van Etten	NY	23
Tioga State Bank National Association	1250 Vestal Pkwy E	Vestal	NY	11
Tioga State Bank National Association	436 Cayuta Ave	Waverly	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.