Tioga-Franklin Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Tioga-Franklin Savings Bank was an FDIC-insured savings bank headquartered in Philadelphia, PA, established in 1873 (FDIC certificate 33802), and it was supervised by the FDIC. Its final call report, for Q2 2026, showed total assets of $68.4M.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33802
- Headquarters
- Philadelphia, PA
- Established
- 1873
- Total assets, Q2 2026
- $68.4M
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 236073872
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 3.87 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%. The figures come from its call report filed with the FFIEC.
Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $68.4M, loans fell 2.8% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.8% of total loans, ahead of commercial and industrial loans at 24.1%. Its one office in the FDIC Summary of Deposits is in Philadelphia, PA. On its Q2 2026 call report, Tioga-Franklin Savings Bank falls below at least one capital ratio minimum for adequately capitalized.
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
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Tioga-Franklin Savings Bank's total assets ranged from $65.1M (Q2 2025) to $77.2M (Q1 2024), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$68.4M total assets against $65.1M; $67.0M total liabilities against $61.4M.
$56.2M net loans and leases against $53.0M; $66.6M total deposits against $60.8M.
$3.6M securities against $284K; $6.0M cash and balances due against $7.5M.
$1.0M total interest income against $1.0M; $581K total interest expense against $561K.
$450K net interest income against $456K.
$102K total noninterest income against $61K; $894K total noninterest expense against $949K.
-$83K provision for credit losses against $0.
-$284K net income against -$313K.
-1.65% return on assets against -1.93%; 2.63% net interest margin against 2.91%.
2.89% CET1 capital ratio against 5.85%; 2.06% tier 1 leverage ratio against 4.00%.
Inside the full Tioga-Franklin Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
From Q3 2024 to Q2 2026, its return on assets ran from -7.71% (Q4 2025) to 1.64% (Q3 2025) and its net interest margin ran from 2.63% (Q2 2026) to 3.18% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 2.89% | -1.65% | 9.23% | 158.35% | 2.63% |
| Q1 2026 | 3.46% | -4.95% | 6.91% | 97.77% | 3.01% |
| Q4 2025 | 5.33% | -7.71% | 7.79% | 74.93% | 3.18% |
| Q3 2025 | 6.33% | 1.64% | 7.54% | 49.80% | 2.90% |
| Q2 2025 | 5.85% | -1.93% | 7.28% | 48.29% | 2.91% |
| Q1 2025 | 6.57% | -2.44% | 7.63% | 48.14% | 2.80% |
| Q4 2024 | 7.82% | -1.88% | 8.55% | 51.16% | 3.12% |
| Q3 2024 | 9.29% | -3.66% | 10.52% | 69.45% | 2.64% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 134 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Tioga-Franklin Savings Bank headquartered?
It is headquartered in Philadelphia, PA, United States.
When was Tioga-Franklin Savings Bank founded?
It was established in 1873, per the FDIC institution directory.
Is Tioga-Franklin Savings Bank FDIC-insured?
Yes. It 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.
What is Tioga-Franklin Savings Bank's CET1 capital ratio?
It 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?
It 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?
Its 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.
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