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Bank of Tioga, The

Tioga, ND · Cert 17280 · TS Banking Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 2 branches (13 in holding)

Q2 2026

$412.1MAssets
$136.1MLoans
$396.6MDeposits
$8.6MEquity
Loan mix
72%RE $70.2M23%C&I $22.7M4%Consumer $4.1MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $361.8M9%Noninterest $34.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.05%, up 15 bps year over year; NIM at 2.28%.
  • Asset quality: problem loans at 1.15% of loans (+69 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.39%, up 192 bps from a year ago.
  • Funding: loans stand at 34.32% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.05%+15 bps YoY

Net Interest Margin (quarter, annualized)

2.28%+25 bps YoY

Efficiency Ratio (quarter, annualized)

83.17%+1,072 bps YoY

Tier 1 Leverage Ratio

9.39%+192 bps YoY

NIM

4.38%Q2 ’244.34%Q2 ’254.55%Q2 ’260%+12%

Non-interest income vs. expense

1.61%Q2 ’241.50%Q2 ’251.81%Q2 ’26+112%+31%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.42%0.57%-0.10%1.62%0.37%2.62%0.05%+15 bps
Return on Equity-145.83%-272%1326%186.90%575%45.39%194.71%2.50%-18,440 bps
Net Interest Margin2.04%2.05%2.04%2.03%2.26%2.16%2.18%2.28%+25 bps
Efficiency Ratio65.93%57.83%73.13%72.44%43.81%64.08%31.58%83.17%+1,072 bps
Non-Interest Burden1.30%1.05%1.48%1.46%0.28%1.30%-1.43%1.91%+46 bps
Growth
Asset Growth (YoY)23.40%10.54%6.94%6.26%-3.32%-8.77%-4.89%-3.99%-1,026 bps
Loan Growth (YoY)14.27%3.81%-3.43%6.82%12.86%10.68%18.37%18.12%+1,129 bps
Deposit Growth (YoY)28.60%8.57%6.21%3.42%-4.17%-9.49%-7.75%-4.36%-778 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.55%0.46%1.05%0.00%1.28%1.15%+69 bps
Net Charge-Offs / Loans-0.01%0.02%0.01%0.00%0.01%0.01%0.20%0.01%+1 bps
Allowance / Loans0.87%0.90%0.90%0.94%0.98%1.00%0.95%0.89%-5 bps
Allowance Coverage of NPLsn/an/a1.6x2.1x0.9xn/a0.7x0.8x-1.3x
Capital
Tier 1 Leverage Ratio7.68%7.32%7.41%7.47%8.22%8.55%9.34%9.39%+192 bps
Total Risk-Based Capital14.19%14.58%15.05%14.45%14.81%15.80%16.15%15.89%+144 bps
Equity / Assets-0.40%0.09%0.00%-0.10%0.68%0.95%1.72%2.08%+218 bps
Liquidity & Funding
Loans / Deposits26.06%25.14%24.12%27.79%30.70%30.74%30.95%34.32%+653 bps
Liquid Assets / Assets31.30%30.58%30.87%31.49%32.25%34.10%32.27%32.30%+80 bps
CRE / Total Capitaln/an/an/an/a48.30%51.24%65.67%n/an/a