Side-by-side · Q2 2026 data
First State Bank vs The Bank of Tioga
Metric by metric
| Measure | First State Bank | The Bank of Tioga |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 48 (stronger) | 44 |
| Loan quality | 100 (stronger) | 62 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 40 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 68 |
| Peer percentile | 61st | 24th |
| Total assets | $424.2M | $412.1M |
| Deposits / shares | $371.9M | $396.6M |
| Capital ratio | 9.83% (stronger) | 9.39% |
| Problem loans | 0.00% (stronger) | 1.15% |
| Net charge-offs | 0.14% | 0.10% (stronger) |
| Return on assets | 2.08% (stronger) | 1.32% |
| Loans ÷ deposits | 104.4% | 34.0% (stronger) |
| Uninsured deposits | 28.8% | 28.3% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First State Bank has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and The Bank of Tioga on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.