Tioga-Franklin Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Return on equity climbed 88.11 percentage points in Q2 2026, from -161.26% to -73.15%. It was the largest change from Q1 2026 among the key lines here. Against a median of 1.00% for banks in the < $100M asset tier, Tioga-Franklin Savings Bank reported -1.65% on return on assets in Q2 2026, 2.65 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 2.89% |
| Tier 1 risk-based capital ratio | 2.89% |
| Total risk-based capital ratio | 4.14% |
| Tier 1 leverage ratio | 2.06% |
| Equity capital to assets | 2.04% |
| Tangible equity to tangible assets | 2.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 9.23% |
| Non-performing assets ratio | 7.94% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 158.35% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 13.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.65% |
| Return on equity | -73.15% |
| Net interest margin | 2.63% |
| Efficiency ratio | 161.96% |
| Yield on earning assets | 6.02% |
| Cost of funds | 3.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.44% |
| Core deposits to total deposits | 85.42% |
| Brokered deposits to total deposits | 1.12% |
| Deposits to assets | 97.26% |
| Securities to assets | 5.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.00% | 13.00% | 14.26% | 8.72% | -1.50% |
| Q4 2023 | 13.35% | 13.35% | 14.63% | 7.72% | -3.15% |
| Q1 2024 | 12.96% | 12.96% | 14.24% | 7.40% | -0.01% |
| Q2 2024 | 11.64% | 11.64% | 12.92% | 6.99% | -2.37% |
| Q3 2024 | 9.29% | 9.29% | 10.56% | 5.79% | -3.66% |
| Q4 2024 | 7.82% | 7.82% | 9.08% | 5.17% | -1.88% |
| Q1 2025 | 6.57% | 6.57% | 7.83% | 4.40% | -2.44% |
| Q2 2025 | 5.85% | 5.85% | 7.12% | 4.00% | -1.93% |
| Q3 2025 | 6.33% | 6.33% | 7.59% | 4.36% | 1.64% |
| Q4 2025 | 5.33% | 5.33% | 6.59% | 3.63% | -7.71% |
| Q1 2026 | 3.46% | 3.46% | 4.72% | 2.41% | -4.95% |
| Q2 2026 | 2.89% | 2.89% | 4.14% | 2.06% | -1.65% |
Tioga-Franklin Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tioga-Franklin Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Tioga-Franklin Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33802) · FFIEC NIC profile (RSSD 885579)