TIOGA STATE BANK, N.A.

SPENCER, NY | Medium | Est. March 24, 1884, midnight | FDIC #9410 | RSSD #910118 | OCC
Latest Report: 2025-12-31

TIOGA STATE BANK, N.A. is amn medium FDIC-insured commercial bank headquartered in SPENCER, NY, established in March 24, 1884, midnight. As of 2025-12-31, the bank reported total assets of $609M and total deposits of $524M. Profitability stands at 1.26% ROA and 11.74% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 19.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 3.53%. FDIC Certificate #9410.

Assets

$609M

Deposits

$524M

Loans

$382M

Equity

$64M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 11.74%
Net Interest Margin (NIM) 4.39%
Yield on Assets 5.54%
Cost of Funds 1.20%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio 0.32%
Texas Ratio 3.53%
NPA Ratio 0.41%
ACL / Loans 1.70%

Capital & Liquidity

CET1 Ratio 19.57%
Tier 1 Capital 19.57%
Total Capital Ratio 20.83%
Leverage Ratio 11.27%
Loan-to-Deposit 73.01%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required