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Tioga State Bank, N.A.

Spencer, NY · Cert 9410 · TSB Services Inc.

National charter · OCC · 10 branches

Q2 2026

$625.2MAssets
$393.3MLoans
$538.1MDeposits
$66.4MEquity
Loan mix
88%RE $337.2M10%C&I $39.8M1%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $369.3M31%Noninterest $168.8MQ2 2025Q2 2026

NIM

4.64%Q2 ’245.02%Q2 ’255.06%Q2 ’26+18%-2%

Non-interest income vs. expense

3.08%Q2 ’243.37%Q2 ’253.11%Q2 ’26+5%-6%

Market Position · Binghamton, NY · 2026 SOD (annual) · 12.1% share · #3 of 9 inst. · $0.5B of $4.1B

46.8% Tioga
6.4% Broome
1.6% Tompkins

Executive Summary

  • Earnings: ROA of 1.31%, up 54 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 1.00% of loans (+25 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.38%, down 41 bps from a year ago.
  • Funding: loans stand at 73.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.31%+54 bps YoY

Net Interest Margin (quarter, annualized)

4.00%-8 bps YoY

Efficiency Ratio (quarter, annualized)

65.96%-283 bps YoY

Tier 1 Leverage Ratio

11.38%-41 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%1.21%1.26%1.29%1.31%+54 bps
Return on Equity7.26%11.17%11.74%12.54%12.67%+541 bps
Net Interest Margin4.08%4.07%3.96%3.85%4.00%-8 bps
Efficiency Ratio68.80%67.54%64.30%67.32%65.96%-283 bps
Non-Interest Burden2.55%2.50%2.27%2.33%2.39%-16 bps
Growth
Asset Growth (YoY)-2.39%0.86%9.04%10.49%8.77%+1,116 bps
Loan Growth (YoY)-1.38%1.38%1.95%2.33%5.73%+710 bps
Deposit Growth (YoY)-1.24%2.84%12.39%9.11%6.92%+816 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.67%0.76%0.88%1.00%+25 bps
Net Charge-Offs / Loans1.29%0.00%0.00%0.02%0.05%-123 bps
Allowance / Loans1.67%1.71%1.70%1.69%1.63%-4 bps
Allowance Coverage of NPLs2.2x2.6x2.2x1.9x1.6x-0.6x
Capital
Tier 1 Leverage Ratio11.79%11.98%11.27%11.26%11.38%-41 bps
Total Risk-Based Capital20.96%21.23%20.83%21.40%21.22%+26 bps
Equity / Assets10.68%10.96%10.46%10.09%10.63%-5 bps
Liquidity & Funding
Loans / Deposits73.92%74.22%73.01%68.90%73.09%-82 bps
Liquid Assets / Assets3.39%4.54%4.48%7.37%1.47%-191 bps
CRE / Total Capitaln/a184.43%184.10%180.79%n/an/a