Tioga State Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets rose 0.53 percentage points in Q2 2026 to 10.63%, the biggest move on this page. Tioga State Bank, N.A. ranks 23rd of 82 New York banks on CET1 ratio, in the upper half at 19.96% (Q2 2026). Tioga State Bank, N.A. reported 19.96% on CET1 ratio for Q2 2026, 4.89 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.96% |
| Tier 1 risk-based capital ratio | 19.96% |
| Total risk-based capital ratio | 21.22% |
| Tier 1 leverage ratio | 11.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $72.9M |
| Tier 1 capital | $72.9M |
| Total risk-based capital | $77.5M |
| Total equity capital | $66.4M |
| Risk-weighted assets | $365.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.63% |
| Tangible equity to tangible assets | 10.63% |
| Equity capital to average assets | 10.37% |
| Internal capital growth rate | 12.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $350K |
| Retained earnings | $72.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.42% | 19.42% | 20.68% | 11.77% | $344.8M |
| Q4 2023 | 19.12% | 19.12% | 20.37% | 11.79% | $352.4M |
| Q1 2024 | 19.41% | 19.41% | 20.67% | 11.92% | $353.3M |
| Q2 2024 | 19.47% | 19.47% | 20.73% | 11.72% | $352.5M |
| Q3 2024 | 19.90% | 19.90% | 21.16% | 12.09% | $352.2M |
| Q4 2024 | 19.30% | 19.30% | 20.56% | 11.65% | $349.7M |
| Q1 2025 | 19.67% | 19.67% | 20.93% | 12.02% | $348.1M |
| Q2 2025 | 19.71% | 19.71% | 20.96% | 11.79% | $345.9M |
| Q3 2025 | 19.97% | 19.97% | 21.23% | 11.98% | $350.2M |
| Q4 2025 | 19.57% | 19.57% | 20.83% | 11.27% | $351.6M |
| Q1 2026 | 20.14% | 20.14% | 21.40% | 11.26% | $351.6M |
| Q2 2026 | 19.96% | 19.96% | 21.22% | 11.38% | $365.2M |
Tioga State Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Tioga State Bank, N.A., freeSource: Call Report Schedule RC-R, 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 State Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9410) · FFIEC NIC profile (RSSD 910118)