Tioga State Bank, N.A.
Spencer, NY · Cert 9410 · Peer group: banks under $1B in assets (n=581-629) · TSB Services Inc.
National charter · OCC · 10 branches
Q2 2026
$625.2MAssets
$393.3MLoans
$538.1MDeposits
$66.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 79% of banks under $1B in assets (rank 132 of 629).
- Widest gap: nonperforming loans / loans trails 70% of banks under $1B in assets (rank 407 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.31%
Rank 203 of 629
Net Interest Margin
3.89%
Rank 199 of 629
Efficiency Ratio
66.63%
Rank 291 of 629
Equity / Assets
10.63%
Rank 317 of 629
Non-interest income vs. expense
Unfavorable gap of $15.0M · efficiency ratio beats 54% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.60% | 1.01% | 1.45% | Beats 68% | 203 / 629 | | |
| Return on Equity | 12.30% | 5.38% | 9.30% | 13.28% | Beats 69% | 193 / 629 | | |
| Net Interest Margin | 3.89% | 3.03% | 3.54% | 4.05% | Beats 68% | 199 / 629 | | |
| Efficiency Ratio | 66.63% | 58.35% | 67.79% | 79.08% | Beats 54% | 291 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.09% | 0.46% | 1.20% | Beats 30% | 407 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 42% | 339 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 19.96% | 11.24% | 13.84% | 18.77% | Beats 78% | 140 / 629 | | |
| Total Risk-Based Capital Ratio | 21.22% | 11.58% | 14.43% | 19.66% | Beats 79% | 132 / 629 | | |
| Equity / Assets | 10.63% | 9.09% | 10.65% | 13.80% | Beats 50% | 317 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.09% | 67.24% | 80.90% | 93.48% | 35th pctl | 388 / 594 | | |
| Loans / Assets | 62.91% | 53.31% | 67.71% | 78.15% | 41st pctl | 372 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |