Tioga State Bank National Association (FDIC certificate #9410) is based in Spencer, New York. Its Q2 2026 call report shows $625.2M in total assets and $538.1M in deposits and 10 offices.
Based on its Q2 2026 filing, Tioga State Bank National Association scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 37th. Its strongest component is problem-loan coverage (89/100; 5.4%), and its lowest is capital cushion (64/100; 11.38%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 71).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 59 |
| Q4 2024 | 56 |
| Q1 2025 | 57 |
| Q2 2025 | 70 |
| Q3 2025 | 72 |
| Q4 2025 | 71 |
| Q1 2026 | 73 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.72% |
| Q3 2024 | 12.09% |
| Q4 2024 | 11.65% |
| Q1 2025 | 12.02% |
| Q2 2025 | 11.79% |
| Q3 2025 | 11.98% |
| Q4 2025 | 11.27% |
| Q1 2026 | 11.26% |
| Q2 2026 | 11.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.19% |
| Q3 2024 | 2.13% |
| Q4 2024 | 2.26% |
| Q1 2025 | 2.17% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.88% |
| Q2 2026 | 1.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $625.2M | 11.38% | 1.00% | 1.31% | 71.9% |
| Q1 2026 | 73 | $639.7M | 11.26% | 0.88% | 1.29% | 67.7% |
| Q4 2025 | 71 | $608.5M | 11.27% | 0.76% | 0.98% | 71.8% |
| Q3 2025 | 72 | $589.2M | 11.98% | 0.67% | 0.89% | 72.9% |
| Q2 2025 | 70 | $574.8M | 11.79% | 0.75% | 0.73% | 72.7% |
| Q1 2025 | 57 | $578.9M | 12.02% | 2.17% | 0.68% | 72.2% |
| Q4 2024 | 56 | $558.1M | 11.65% | 2.26% | 0.89% | 79.1% |
| Q3 2024 | 59 | $584.2M | 12.09% | 2.13% | 0.90% | 74.0% |
| Q2 2024 | 57 | $588.9M | 11.72% | 2.19% | 0.86% | 72.8% |
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).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| NewBankBank Flushing, NY | 58 out of 100, Moderate | $618.0M | 15.0% | 2.65% | vs |
| Empire State BankBank Staten Island, NY | 59 out of 100, Moderate | $617.8M | 10.1% | 0.91% | vs |
| Spring BankBank Bronx, NY | 85 out of 100, Very strong | $641.0M | 14.6% | 0.60% | vs |
| Modern Bank, National AssociationBank New York, NY | 30 out of 100, Low | $648.5M | 9.6% | 5.60% | vs |
| Carver Federal Savings BankBank New York, NY | 23 out of 100, Low | $658.1M | 8.7% | 3.46% | vs |
| Geddes Federal Savings and Loan AssociationBank Syracuse, NY | 74 out of 100, Strong | $685.7M | 14.7% | 0.44% | vs |
Deposit insurance
Is my money safe at Tioga State Bank National Association?
Yes. Tioga State Bank National Association is an FDIC-insured institution (FDIC certificate #9410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.4% of deposits ($120.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.22% (benchmark: 10%).
10 locations
Branches
Tioga State Bank National Association lists 10 offices in 9 cities. Most locations:
- Binghamton, NY (2)
- Candor, NY (1)
- Endwell, NY (1)
- Johnson City, NY (1)
- Newfield, NY (1)
- Owego, NY (1)
- Spencer, NY (1)
- Vestal, NY (1)
- Waverly, NY (1)
Identity & history
Profile
- Legal name
- Tioga State Bank National Association
- Former names
- Tioga State Bank; The Farmers & Merchants Bank of Spencer, N.Y
- Type
- National bank
- FDIC certificate #
- 9410
- RSSD ID
- 910118
- Primary regulator
- OCC
- Holding company
- Tsb Services Inc
- Established
- March 24, 1884
- Headquarters
- 1 N Main St, Spencer, NY 14883
- Website
- www.tiogabank.com
- Employees
- 103
Quick answers
Tioga State Bank National Association: common questions
Is Tioga State Bank National Association FDIC insured?
Yes. Tioga State Bank National Association is an FDIC-insured institution (FDIC certificate #9410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Tioga State Bank National Association's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Tioga State Bank National Association ever failed?
There is no failure record for FDIC certificate #9410 in the FDIC failed bank list.
How many branches does Tioga State Bank National Association have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Spencer
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Finger Lakes Health Care Federal Credit UnionCredit union Elmira, NY | 89 out of 100, Very strong | $35.2M | 15.5% | 0.02% | vs |
| PS BankBank Wyalusing, PA | 83 out of 100, Strong | $674.5M | 11.2% | 0.10% | vs |
| Solutions Federal Credit UnionCredit union Elmira, NY | 83 out of 100, Strong | $43.4M | 12.6% | 0.30% | vs |
| The First National Bank of DrydenBank Dryden, NY | 80 out of 100, Strong | $203.9M | 13.5% | 0.93% | vs |
| Beginnings Credit UnionCredit union Ithaca, NY | 77 out of 100, Strong | $1.5B | 14.0% | 0.69% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |