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Tioga State Bank, N.A. Locations & Branches Spencer, New York
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Tioga State Bank, N.A. operates 10 branches from its headquarters in Spencer, NY, .
Tioga State Bank, N.A. branch network
All 10 branches are in NEW YORK, across 9 cities. Binghamton, NY has the most of its branches, 2. Its largest office by deposits is the Owego Fifth Avenue Branch office in Owego, NY, with $106.6M (19.8% of its branch deposits). On June 30, 2025 it had 12 branches, 2 more than in 2026.
Tioga State Bank, N.A. at a glance
Its CET1 capital ratio was 19.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $625.2M
- CET1 ratio, Q2 2026
- 19.96%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Established
- 1884
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Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Spencer, NY (1 branch) | 1 of 1 | 100.0% | $76.8M |
| State: NY (10 branches) | 97 of 176 | <0.1% | $538.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in New York.
Share by county and metro area
Tioga State Bank, N.A.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Tioga, NY (4 branches) | 1 of 5 | 46.8% | $270.1M | $577.1M |
| Broome, NY (5 branches) | 5 of 9 | 6.4% | $222.4M | $3.48B |
| Tompkins, NY (1 branch) | 9 of 11 | 1.6% | $45.6M | $2.92B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Binghamton, NY (9 branches) | 3 of 9 | 12.1% | $492.5M | $4.05B |
| Ithaca, NY (1 branch) | 9 of 11 | 1.6% | $45.6M | $2.92B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 9410) · FFIEC NIC profile (RSSD 910118)