Tioga State Bank, N.A.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.23 percentage points lower than in Q1 2026, at 160.67%. Within New York, Tioga State Bank, N.A. is 28th of 105 on return on assets, 1.29% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Tioga State Bank, N.A. sits 0.04 points higher, at 1.29% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.96% |
| Tier 1 risk-based capital ratio | 19.96% |
| Total risk-based capital ratio | 21.22% |
| Tier 1 leverage ratio | 11.38% |
| Equity capital to assets | 10.63% |
| Tangible equity to tangible assets | 10.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.01% |
| Non-performing assets ratio | 0.64% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 6.26% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 160.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 12.67% |
| Net interest margin | 4.25% |
| Efficiency ratio | 65.65% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.09% |
| Core deposits to total deposits | 95.62% |
| Brokered deposits to total deposits | 0.93% |
| Deposits to assets | 86.07% |
| Securities to assets | 28.80% |
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 | 19.42% | 19.42% | 20.68% | 11.77% | 1.18% |
| Q4 2023 | 19.12% | 19.12% | 20.37% | 11.79% | 0.29% |
| Q1 2024 | 19.41% | 19.41% | 20.67% | 11.92% | 0.84% |
| Q2 2024 | 19.47% | 19.47% | 20.73% | 11.72% | 0.86% |
| Q3 2024 | 19.90% | 19.90% | 21.16% | 12.09% | 1.00% |
| Q4 2024 | 19.30% | 19.30% | 20.56% | 11.65% | 0.82% |
| Q1 2025 | 19.67% | 19.67% | 20.93% | 12.02% | 0.68% |
| Q2 2025 | 19.71% | 19.71% | 20.96% | 11.79% | 0.77% |
| Q3 2025 | 19.97% | 19.97% | 21.23% | 11.98% | 1.20% |
| Q4 2025 | 19.57% | 19.57% | 20.83% | 11.27% | 1.23% |
| Q1 2026 | 20.14% | 20.14% | 21.40% | 11.26% | 1.28% |
| Q2 2026 | 19.96% | 19.96% | 21.22% | 11.38% | 1.29% |
Tioga State Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tioga State Bank, N.A., 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 State Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9410) · FFIEC NIC profile (RSSD 910118)