Tioga-Franklin Savings Bank

Philadelphia, PA · Cert 33802 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 1 branch

Q2 2026

$68.4MAssets

$56.9MLoans

$66.6MDeposits

$1.4MEquity

Executive Summary

Strongest standing: net interest margin outperforms 29% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 22 of 31).
Widest gap: equity / assets trails 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 31 of 31).
Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-3.38%

Rank 31 of 31

Net Interest Margin

2.82%

Rank 22 of 31

Efficiency Ratio

188.70%

Rank 31 of 31

Equity / Assets

2.04%

Rank 31 of 31

Unfavorable gap of $4.0M · efficiency ratio beats 3% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-3.38%	0.63%	0.93%	2.39%	Beats 0%	31 / 31
Return on Equity	-165.64%	4.15%	7.07%	14.29%	Beats 0%	31 / 31
Net Interest Margin	2.82%	2.72%	3.26%	3.84%	Beats 29%	22 / 31
Efficiency Ratio	188.70%	49.04%	63.83%	80.34%	Beats 3%	31 / 31
Asset Quality
Nonperforming Loans / Loans	9.23%	0.00%	0.24%	1.22%	Beats 7%	26 / 27
Net Charge-Offs / Loans	0.47%	n/a	n/a	0.01%	Beats 4%	27 / 27
Capital
Tier 1 Capital Ratio	2.89%	13.01%	19.43%	42.39%	Beats 0%	31 / 31
Total Risk-Based Capital Ratio	4.14%	13.95%	20.55%	43.38%	Beats 0%	31 / 31
Equity / Assets	2.04%	9.21%	12.36%	21.28%	Beats 0%	31 / 31
Liquidity & Funding
Loans / Deposits	85.44%	52.41%	83.15%	99.86%	52nd pctl	15 / 31
Loans / Assets	83.10%	37.80%	67.87%	79.23%	87th pctl	4 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution