Tioga-Franklin Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Tioga-Franklin Savings Bank. Its balance sheet stood at $68 million at June 30, 2026, up 5.2% from a year earlier; it is based in Philadelphia, Pennsylvania. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.56% of loans from 3.94% a year earlier. It loses about $1.65 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 162 cents to bring in each dollar of revenue, 2.3 times the median of 69 cents for banks its size.
It lost $284,000 in the quarter. Its $14 million commercial and industrial book is improving, with 16.73% past due or on nonaccrual, down from 23.68% a year earlier. Its margin is thin by comparison: it keeps 2.63 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.88 cents).
As of June 30, 2026, Tioga-Franklin Savings Bank reported a CET1 capital ratio of 2.89%, a return on assets of -1.65%, a nonperforming-loan ratio of 9.23% and a Texas ratio of 158.35%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 320 E Girard Ave, Philadelphia, PA 19125
- County
- Philadelphia
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 31, 1873
- Offices
- 1 domestic
- Employees (FTE)
- 14
- Domestic deposits
- $66.6M
- Allowance for credit losses
- $718K
- Net charge-offs (YTD)
- $267K
- Average total assets
- $68.7M
- Average total loans
- $58.7M
- Average interest-bearing deposits
- $65.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 2000
- FDIC Cert
- 33802
- Fed RSSD
- 885579
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Tioga-Franklin Savings Bank terminal
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Unlock Tioga-Franklin Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer): triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses. Basel III capital conservation buffer, 12 CFR 217.11.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 2.89% | -1.65% | 8.37% | 158.35% | 2.63% |
| Q1 2026 | 3.46% | -4.95% | 6.84% | 97.77% | 3.01% |
| Q4 2025 | 5.33% | -7.71% | 7.52% | 74.93% | 3.18% |
| Q3 2025 | 6.33% | 1.64% | 6.40% | 49.80% | 2.90% |
| Q2 2025 | 5.85% | -1.93% | 7.10% | 48.29% | 2.91% |
| Q1 2025 | 6.57% | -2.44% | 7.46% | 48.14% | 2.80% |
| Q4 2024 | 7.82% | -1.88% | 7.61% | 51.16% | 3.12% |
| Q3 2024 | 9.29% | -3.66% | 5.51% | 69.45% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tioga-Franklin Savings Bank (main office) | Philadelphia , PA | 19125 | $66.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 22, 2026 | Structure Change | Failure, Government Assistance Provided | FFIEC NIC |
| August 21, 2026 | Failure | Failure / assisted resolution | FDIC FAILURES |
| March 1, 1997 | Structure Change | Acquired Wayne Junction Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 1989 | Structure Change | Acquired Webster Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Tioga-Franklin Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 134 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $3.5M approved, $588K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Tioga-Franklin Savings Bank
What are Tioga-Franklin Savings Bank's total assets?
As of the Q2 2026 filing, Tioga-Franklin Savings Bank reported total assets of $68.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Tioga-Franklin Savings Bank headquartered?
Tioga-Franklin Savings Bank is headquartered in Philadelphia, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Tioga-Franklin Savings Bank founded?
Tioga-Franklin Savings Bank was established in 1873, per the FDIC institution directory.
Is Tioga-Franklin Savings Bank FDIC-insured?
Yes. Tioga-Franklin Savings Bank is an FDIC-insured savings bank (FDIC Certificate #33802). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tioga-Franklin Savings Bank?
Tioga-Franklin Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Tioga-Franklin Savings Bank's CET1 capital ratio?
Tioga-Franklin Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 2.89% in its Q2 2026 call report, below the 4.5% regulatory minimum.
How many branches does Tioga-Franklin Savings Bank operate?
Tioga-Franklin Savings Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tioga-Franklin Savings Bank's Texas Ratio?
Tioga-Franklin Savings Bank's Texas Ratio is 158.35% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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