Tioga State Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tioga State Bank, N.A. of Spencer, NY against its peer group of 2672 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 Behind the peer average, ahead of the median peer. | 1.29% | 1.35% | -0.06% | 52nd above |
| ROAE | 12.67% | 12.05% | +0.62% | 52nd above |
| Net Interest Margin | 4.25% | 3.90% | +0.35% | 67th above |
| Efficiency Ratio | 65.65% | 63.15% | +2.50% | 38th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.64% | -0.04% | 51st above |
| Yield on Earning Assets | 5.37% | 5.65% | -0.28% | 38th below |
| Cost of Funds | 1.21% | 1.85% | -0.64% | 84th top |
| Net Interest Spread | 3.65% | 3.35% | +0.30% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.01% | 0.92% | +0.09% | 28th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.64% | 0.67% | -0.03% | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 25th below |
| ACL / Total Loans | 1.63% | 1.28% | +0.35% | 85th top |
| ACL / NPLs (Coverage) | 160.67% | 1645.77% | -1485.10% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.26% | 7.15% | -0.89% | 34th below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.96% | 20.83% | -0.87% | 77th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.96% | 20.86% | -0.90% | 77th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 21.22% | 21.94% | -0.72% | 78th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.38% | 12.46% | -1.08% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.63% | 11.67% | -1.04% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.63% | 11.40% | -0.77% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.09% | 78.65% | -5.56% | 65th above |
| Core Deposit Ratio | 95.62% | 87.09% | +8.53% | 87th top |
| Wholesale Funding Ratio | 2.32% | 5.11% | -2.79% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.77% | 6.47% | +2.30% | 79th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.73% | 7.64% | -1.91% | 52nd above |
| Deposit Growth (Y/Y) | 6.92% | 6.02% | +0.90% | 70th above |
See Tioga State Bank, N.A.'s peers by name
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Unlock Tioga State Bank, N.A., 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 State Bank, N.A. profile, how to read a UBPR, or how this data updates.