The Bank of Tioga: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Bank of Tioga is the primary bank subsidiary of its parent holding company, headquartered in Tioga, ND. On its most recent Q2 2026 call report, The Bank of Tioga reported $412M in total assets against $397M in deposits. Returns are subdued: 0.05% ROA and 2.50% ROE. Regulatory capital is solid, 15.38% CET1 and 15.89% total risk-based capital ratio. Asset quality is solid, 0.96% nonperforming loans and a 16.01% Texas Ratio. It operates 2 branches, primarily in North Dakota.
As of June 30, 2026, The Bank of Tioga reported a CET1 capital ratio of 15.38%, a return on assets of 0.05%, a nonperforming-loan ratio of 0.96%, a Texas ratio of 16.01%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 7 N Main St, Tioga, ND 58852
- County
- Williams
- Metro Area
- Williston, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 16, 1952
- Offices
- 2 domestic
- Employees (FTE)
- 32
- Domestic deposits
- $396.6M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $63K
- Average total assets
- $404.6M
- Average total loans
- $129.7M
- Average interest-bearing deposits
- $361.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 7, 1953
- FDIC Cert
- 17280
- Fed RSSD
- 768953
- SEC CIK
- 1873063 → filed by TS BANKING GROUP, INC.
- Website
- www.thebankoftioga.com →
- Parent Holding Company
- TS CONTRARIAN BANCSHARES, INC. (RSSD 4718134)
- Ultimate Parent
- TS BANKING GROUP, INC. (RSSD 1207785)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Bank of Tioga, freeThe Bank of Tioga rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.38% | 0.05% | 0.96% | 16.01% | 2.52% |
| Q1 2026 | 15.64% | 2.65% | 1.06% | 18.98% | 2.34% |
| Q4 2025 | 15.26% | 0.37% | 0.00% | 0.00% | 2.43% |
| Q3 2025 | 14.29% | 1.64% | 0.00% | 32.73% | 2.69% |
| Q2 2025 | 13.97% | -0.10% | 0.00% | 81.58% | 2.16% |
| Q1 2025 | 14.62% | 0.56% | 0.00% | 62.01% | 2.34% |
| Q4 2024 | 14.14% | 0.41% | 0.00% | 0.00% | 2.33% |
| Q3 2024 | 13.76% | 0.52% | 0.00% | -0.00% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Tioga | Tioga , ND | 58852 | $334.2M |
| Crosby Branch | Crosby , ND | 58730 | $62.5M |
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 |
|---|---|---|---|
| January 20, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 20, 2015 | Structure Change | Acquired Farmers State Bank of Crosby, N. D. 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 2 events.
Regulatory record
What the public regulatory sources show for The Bank of Tioga, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in ND, rank 24 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank of Tioga
What are The Bank of Tioga's total assets?
As of the Q2 2026 filing, The Bank of Tioga reported total assets of $412.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Tioga headquartered?
The Bank of Tioga is headquartered in Tioga, ND, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of Tioga founded?
The Bank of Tioga was established in 1952, per the FDIC institution directory.
Is The Bank of Tioga FDIC-insured?
Yes. The Bank of Tioga is an FDIC-insured commercial bank (FDIC Certificate #17280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Tioga?
The Bank of Tioga's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of Tioga's CET1 capital ratio?
The Bank of Tioga reported a Common Equity Tier 1 (CET1) capital ratio of 15.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Tioga operate?
The Bank of Tioga operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Tioga's Texas Ratio?
The Bank of Tioga's Texas Ratio is 16.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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