TIOGA-FRANKLIN SAVINGS BANK

PHILADELPHIA, PA | Micro | Est. March 31, 1873, midnight | FDIC #33802 | RSSD #885579 | FDIC
Latest Report: 2025-12-31

TIOGA-FRANKLIN SAVINGS BANK is amn micro FDIC-insured commercial bank headquartered in PHILADELPHIA, PA, established in March 31, 1873, midnight. As of 2025-12-31, the bank reported total assets of $71M and total deposits of $67M. Profitability stands at -2.42% ROA and -44.70% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 5.33%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 6.99% and a Texas Ratio of 87.07%. FDIC Certificate #33802.

Assets

$71M

Deposits

$67M

Loans

$58M

Equity

$4M

Profitability

Return on Assets (ROA) -2.42%
Return on Equity (ROE) -44.70%
Net Interest Margin (NIM) 3.32%
Yield on Assets 6.91%
Cost of Funds 3.68%

Asset Quality

NPL Ratio 6.99%
Net Charge-Off Ratio 0.00%
Texas Ratio 87.07%
NPA Ratio 5.94%
ACL / Loans 1.98%

Capital & Liquidity

CET1 Ratio 5.33%
Tier 1 Capital 5.33%
Total Capital Ratio 6.59%
Leverage Ratio 3.69%
Loan-to-Deposit 86.01%

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