TellerScore

The Bank of Tioga is a state-chartered bank headquartered in Tioga, North Dakota, in business for about 74 years. At the end of Q2 2026 it reported $412.1M in total assets and $396.6M in deposits, with 2 offices.

Based on its Q2 2026 filing, The Bank of Tioga scores 63/100, which we describe as moderate. That is higher than only 24% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 46th. Its strongest component is funding & liquidity (85/100; 34% loans-to-deposits, 28% uninsured), and its lowest is capital cushion (44/100; 9.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.39%
Loan quality62/100
Noncurrent loans ÷ total loans: 1.15%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 34.0% · 28.3% uninsured
Problem-loan coverage68/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 16 points (47 → 63), mostly because the problem-loan coverage component improved by 68 points.

TellerScore
476175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202471
Q4 202468
Q1 202549
Q2 202547
Q3 202552
Q4 202568
Q1 202666
Q2 202663
Tier 1 leverage ratio
5.00%7.20%9.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.57%
Q3 20247.68%
Q4 20247.32%
Q1 20257.41%
Q2 20257.47%
Q3 20258.22%
Q4 20258.55%
Q1 20269.34%
Q2 20269.39%
Noncurrent loans
0.00%0.64%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.55%
Q2 20250.46%
Q3 20251.05%
Q4 20250.00%
Q1 20261.28%
Q2 20261.15%
Return on assets
0.24%1.43%2.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.85%
Q3 20241.38%
Q4 20241.13%
Q1 20250.57%
Q2 20250.24%
Q3 20250.69%
Q4 20250.61%
Q1 20262.62%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$412.1M9.39%1.15%1.32%34.0%
Q1 202666$413.0M9.34%1.28%2.62%30.7%
Q4 202568$394.4M8.55%0.00%0.61%30.4%
Q3 202552$415.4M8.22%1.05%0.69%30.4%
Q2 202547$429.2M7.47%0.46%0.24%27.5%
Q1 202549$434.2M7.41%0.55%0.57%23.9%
Q4 202468$432.4M7.32%0.00%1.13%24.9%
Q3 202471$429.6M7.68%0.00%1.38%25.8%
Q2 202475$403.9M7.57%0.00%1.85%26.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.39%
19th
Total risk-based capital15.89%
73rd
Problem loans1.15%
25th
Net charge-offs0.10%
20th
Return on assets1.32%
54th
Net interest margin2.45%
3rd
Efficiency ratio46.8%
89th
Loans to deposits34.0%
98th
Uninsured deposits28.3%
33rd
Loan-loss reserves0.89%
17th
Texas ratio16.0%
9th

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Dakota Western BankBank Bowman, ND76 out of 100, Strong$416.2M11.6%0.84%vs
Dakota Heritage BankBank Hunter, ND63 out of 100, Moderate$416.8M9.8%1.62%vs
First State BankBank Buxton, ND75 out of 100, Strong$424.2M9.8%0.00%vs
Kirkwood Bank & Trust Co.Bank Bismarck, ND80 out of 100, Strong$351.3M9.9%0.00%vs
TruCommunity BankBank Garrison, ND58 out of 100, Moderate$338.2M11.1%2.18%vs
Stock Growers BankBank Forman, ND86 out of 100, Very strong$332.9M11.6%0.05%vs

Deposit insurance

Is my money safe at The Bank of Tioga?

Yes. The Bank of Tioga is an FDIC-insured institution (FDIC certificate #17280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.3% of deposits ($112.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.89% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The Bank of Tioga lists 2 offices in 2 cities. Most locations:

  • Crosby, ND (1)
  • Tioga, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Bank of Tioga
Type
State-chartered bank
FDIC certificate #
17280
RSSD ID
768953
Primary regulator
FDIC
Holding company
Ts Banking Group Inc
Established
July 16, 1952
Headquarters
7 N Main St, Tioga, ND 58852
Employees
32

Quick answers

The Bank of Tioga: common questions

Is The Bank of Tioga FDIC insured?

Yes. The Bank of Tioga is an FDIC-insured institution (FDIC certificate #17280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bank of Tioga's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Bank of Tioga ever failed?

There is no failure record for FDIC certificate #17280 in the FDIC failed bank list.

How many branches does The Bank of Tioga have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tioga

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank & TrustBank Williston, ND94 out of 100, Very strong$542.6M15.4%0.00%vs
Liberty State BankBank Powers Lake, ND93 out of 100, Very strong$159.0M13.7%0.09%vs
Western CooperativeCredit union Williston, ND64 out of 100, Moderate$522.2M14.2%3.17%vs