Tioga State Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Tioga State Bank, N.A. is an FDIC-insured commercial bank headquartered in Spencer, NY, established in 1884 (FDIC certificate 9410), and it is supervised by the OCC. At Q2 2026 it reported total assets of $625.2M, up 8.8% from Q2 2025, the 64th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 19.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 9410
- Headquarters
- Spencer, NY
- Established
- 1884
- Total assets, Q2 2026
- $625.2M
- Assets vs Q2 2025
- +8.8%
- CET1 ratio, Q2 2026
- 19.96%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 021308642
- Holding company
- TSB SERVICES, INC.
- Asset rank in state
- 64th of 105 in New York
Tioga State Bank, N.A., based in Spencer, New York, reported $625 million in assets at June 30, 2026, up 8.8% from a year earlier. It pays an average of 1.21% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 19.96% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $2.1 million, 86% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.00% of loans from 0.75% a year earlier.
As of June 30, 2026, Tioga State Bank, N.A. reported a CET1 capital ratio of 19.96%, a return on assets of 1.29%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 5.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Tioga State Bank, N.A. is the 64th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.3% to $625.2M, loans rose 2.9% and deposits fell 3.0%. 1-4 family residential loans made up 53.7% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 13.8%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in NY; its Owego office books 20% of its branch deposits. Judged on its Q2 2026 call report, Tioga State Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 N Main St, Spencer, NY 14883
- County
- Tioga
- Metro Area
- Binghamton, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 24, 1884
- Former names
- Tioga State Bank (1961-2021)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 103
- Domestic deposits
- $538.1M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $73K
- Average total assets
- $641.0M
- Average total loans
- $387.1M
- Average interest-bearing deposits
- $381.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9410
- Fed RSSD
- 910118
- Website
- https://www.tiogabank.com →
- Parent Holding Company
- TSB SERVICES, INC. (RSSD 1048858)
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
Tioga State Bank, N.A.'s total assets moved between a low of $556.4M (Q3 2023) and a high of $639.7M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$625.2M total assets against $574.8M; $558.7M total liabilities against $513.4M.
$386.9M net loans and leases against $365.8M; $538.1M total deposits against $503.3M.
$180.1M securities against $144.4M; $17.1M cash and balances due against $25.1M.
$8.1M total interest income against $7.3M; $1.7M total interest expense against $1.4M.
$6.4M net interest income against $5.9M.
$1.1M total noninterest income against $1.2M; $5.0M total noninterest expense against $4.9M.
$32K provision for credit losses against $819K.
$2.1M net income against $1.1M.
1.29% return on assets against 0.77%; 4.25% net interest margin against 4.31%.
19.96% CET1 capital ratio against 19.71%; 11.38% tier 1 leverage ratio against 11.79%.
Inside the full Tioga State Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTioga State Bank, N.A. rankings
Its closest position to the top of a national ranking is 342 of 2,134, for CET1 ratio; its furthest is 2,414 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.68% (Q1 2025) to 1.29% (Q2 2026) and its net interest margin ran from 3.94% (Q3 2024) to 4.31% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.96% | 1.29% | 1.00% | 5.39% | 4.25% |
| Q1 2026 | 20.14% | 1.28% | 0.88% | 4.74% | 4.10% |
| Q4 2025 | 19.57% | 1.23% | 0.76% | 4.12% | 4.23% |
| Q3 2025 | 19.97% | 1.20% | 0.67% | 3.57% | 4.30% |
| Q2 2025 | 19.71% | 0.77% | 0.75% | 4.12% | 4.31% |
| Q1 2025 | 19.67% | 0.68% | 2.17% | 11.96% | 3.97% |
| Q4 2024 | 19.30% | 0.82% | 2.26% | 13.27% | 4.04% |
| Q3 2024 | 19.90% | 1.00% | 2.13% | 11.66% | 3.94% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → 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 |
|---|---|---|---|
| Owego Fifth Avenue Branch | Owego , NY | 13827 | $106.6M |
| Upper Front Street Office Branch | Binghamton , NY | 13901 | $98.2M |
| Tioga State Bank National Association | Spencer , NY | 14883 | $76.8M |
| Vestal Branch | Vestal , NY | 13850 | $64.5M |
| Newfield Branch | Newfield , NY | 14867 | $45.6M |
| Waverly Branch | Waverly , NY | 14892 | $45.2M |
| Endwell Office Branch | Endwell , NY | 13760 | $44.1M |
| Candor Branch | Candor , NY | 13743 | $41.4M |
| Johnson City Office Branch | Johnson City , NY | 13790 | $8.7M |
| Conklin Avenue Office Branch | Binghamton , NY | 13903 | $6.9M |
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 |
|---|---|---|---|
| July 3, 1961 | Structure Change | Acquired First National Bank 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- January 6, 2014, Federal Reserve: Civil Money Penalty, $4,180: Tioga State Bank, Spencer, New York
- Period: Most recent institution action January 6, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 97 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 State Bank, N.A.
What are Tioga State Bank, N.A.'s total assets?
As of the Q2 2026 filing, Tioga State Bank, N.A. reported total assets of $625.2 million in its FFIEC call report.
Where is Tioga State Bank, N.A. headquartered?
It is headquartered in Spencer, NY, United States.
When was Tioga State Bank, N.A. founded?
It was established in 1884, per the FDIC institution directory.
Is Tioga State Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tioga State Bank, N.A.?
Tioga State Bank, N.A.'s primary federal regulator is the OCC.
What is Tioga State Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Tioga State Bank, N.A. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tioga State Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 5.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Tioga State Bank, N.A. previously called?
The charter now named Tioga State Bank, N.A. has also operated as Tioga State Bank (1961-2021), per FDIC structure-change records.
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