TIOGA-FRANKLIN SAVINGS BANK
TIOGA-FRANKLIN SAVINGS BANK is an FDIC-insured commercial bank headquartered in PHILADELPHIA, PA, established in 1873. As of , the bank reported total assets of $70M and total deposits of $67M. Profitability stands at -8.68% ROA and -185.08% ROE, with a net interest margin of 3.22%. CET1 capital ratio: 5.33%, below the well-capitalized threshold. NPL ratio: 7.52% · Texas Ratio: 120.82%. Operates 1 domestic branch.
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
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.
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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Tioga-franklin Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 5.33% | -8.68% | 7.52% | 120.82% | 3.22% |
| 2025-09-30 | 8.22% | -1.53% | 6.40% | 72.92% | 2.95% |
| 2025-06-30 | 9.36% | 2.47% | 7.10% | 72.04% | 2.94% |
| 2025-03-31 | 8.28% | -2.44% | 7.46% | 80.74% | 2.84% |
| 2024-12-31 | 9.19% | -2.73% | 7.61% | 76.19% | 3.16% |
| 2024-09-30 | 10.67% | -3.62% | 5.51% | 52.70% | 2.67% |
| 2024-06-30 | 12.53% | -2.28% | 4.58% | 40.49% | 3.31% |
| 2024-03-31 | 13.50% | -0.01% | 4.33% | 38.95% | 3.04% |
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Frequently asked about TIOGA-FRANKLIN SAVINGS BANK
What are Tioga-franklin Savings Bank's total assets?
As of the Q4 2025 filing, Tioga-franklin Savings Bank reported total assets of $70.3 million in its most recent 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 required of all FDIC-insured commercial banks.
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 commercial 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 5.33% in its most recent quarterly filing — below the well-capitalized threshold.
How many branches does Tioga-franklin Savings Bank operate?
Tioga-franklin Savings Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Tioga-franklin Savings Bank's Texas Ratio?
Tioga-franklin Savings Bank's Texas Ratio is 120.82% — 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; see our /glossary/texas-ratio/ page for the full definition.