Bank Comparison
South Story Bank & Trust vs Tioga State Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 9
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | South Story Bank & Trust | Tioga State Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | 19.96% |
| Tier 1 Capital Ratio | — | 19.96% |
| Total Capital Ratio | — | 21.22% |
| Tier 1 Leverage Ratio | 10.93% | 11.38% |
| Equity / Assets | 11.73% | 10.63% |
Profitability
| Metric | South Story Bank & Trust | Tioga State Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.76% | 1.29% |
| Return on Equity (ROE) | 6.37% | 12.67% |
| Net Interest Margin (NIM) | 4.06% | 4.25% |
| Yield on Earning Assets | 6.53% | 5.37% |
| Cost of Funds | 2.78% | 1.21% |
Asset quality
| Metric | South Story Bank & Trust | Tioga State Bank, N.A. |
|---|---|---|
| Texas Ratio | 7.51% | 6.26% |
| Non-Performing Loan Ratio | 0.78% | 1.01% |
| Non-Performing Asset Ratio | 0.87% | 0.64% |
| Net Charge-Off Ratio | 0.02% | 0.06% |
| ACL / Loans | 1.25% | 1.63% |
Balance sheet
| Metric | South Story Bank & Trust | Tioga State Bank, N.A. |
|---|---|---|
| Total Assets | $623.9M | $625.2M |
| Total Deposits | $491.3M | $538.1M |
| Total Loans | $572.6M | $393.3M |
| Total Equity | $73.2M | $66.4M |
| Net Income (quarter) | $1.2M | $2.1M |
Liquidity & funding
| Metric | South Story Bank & Trust | Tioga State Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 116.55% | 73.09% |
| Core Deposit Ratio | 70.23% | 95.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | South Story Bank & Trust | Tioga State Bank, N.A. |
|---|---|---|
| Headquarters City | Slater | Spencer |
| Headquarters State | IA | NY |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 10 |
| Employees (FTE) | 83 | 103 |
| Established | September 1, 1954 | March 24, 1884 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full South Story Bank & Trust profile | View full Tioga State Bank, N.A. profile | Browse all bank comparisons