Tioga-Franklin Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tioga-Franklin Savings Bank of Philadelphia, PA against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.65% | 0.85% | -2.50% | 5th bottom |
| ROAE | -73.15% | 5.23% | -78.38% | 1st bottom |
| Net Interest Margin | 2.63% | 3.94% | -1.31% | 8th bottom |
| Efficiency Ratio | 161.96% | 76.13% | +85.83% | 4th bottom |
| PPNR / Avg Assets | -1.99% | — | — | 2nd bottom |
| Yield on Earning Assets | 6.02% | 5.42% | +0.60% | 77th top |
| Cost of Funds | 3.49% | 1.69% | +1.80% | 3rd bottom |
| Net Interest Spread | 2.43% | — | — | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 9.23% | 1.23% | +8.00% | 2nd bottom |
| NPA / Total Assets | 7.94% | — | — | 1st bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.26% | — | — | 53rd above |
| ACL / NPLs (Coverage) | 13.68% | — | — | 2nd bottom |
| Texas Ratio | 158.35% | 7.23% | +151.12% | 0th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 2.89% | 25.12% | -22.23% | 0th bottom |
| Tier 1 Ratio | 2.89% | 25.12% | -22.23% | 0th bottom |
| Total Capital Ratio | 4.14% | — | — | 0th bottom |
| Leverage Ratio | 2.06% | 14.13% | -12.07% | 0th bottom |
| Equity / Assets | 2.04% | 13.07% | -11.03% | 1st bottom |
| TCE / Tangible Assets | 2.04% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.44% | 68.58% | +16.86% | 23rd bottom |
| Core Deposit Ratio | 85.42% | 88.79% | -3.37% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.19% | — | — | 62nd above |
| Loan Growth (Y/Y) | 4.93% | — | — | 59th above |
| Deposit Growth (Y/Y) | 9.54% | — | — | 82nd top |
See Tioga-Franklin Savings Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tioga-Franklin Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Tioga-Franklin Savings Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Tioga-Franklin Savings Bank peer analysis.