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Tioga State Bank National Association
Spencer, NY · FDIC Certificate #9410 · Chartered 03/2
Total assets
$625.19M
Total deposits
$538.09M
Total equity
$66.45M
Net loans
$386.90M
Branches (offices)
10
Net income (YTD)
$4.08M
Rank: #1,509 of 4,213 U.S. banks by assets · #70 of 115 in New York. Assets changed 8.8% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 12.59% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 10.63% |
| Tier 1 leverage ratio | 11.38% |
| Uninsured deposits (share of deposits) | 22.4% |
| Noncurrent loans (share of loans) | 1.00% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 71.9% |
| Real estate loans (share of loans) | 89.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $346.74M | 89.6% | |
| Commercial & industrial | $41.03M | 10.6% | |
| Consumer / individual | $4.61M | 1.2% | |
| Construction & development | $12.05M | 3.1% | |
| Agricultural | $145.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $542.21M | $482.79M | $4.26M | $54.37M |
| Jun 2023 | $554.21M | $470.07M | $2.35M | $57.04M |
| Jun 2024 | $588.87M | $509.61M | $2.48M | $59.73M |
| Jun 2025 | $574.78M | $503.27M | $2.08M | $61.37M |
| Jun 2026 | $625.19M | $538.09M | $4.08M | $66.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $538.09M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $538.09M.
Similar-sized banks
American Bank, National Association ($625.22M) · Southeastern Bank ($624.92M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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