Side-by-side · Q2 2026 data
The Bank of Tioga vs Kirkwood Bank & Trust Co.
Metric by metric
| Measure | The Bank of Tioga | Kirkwood Bank & Trust Co. |
|---|---|---|
| TellerScore | 63 | 80 (stronger) |
| Capital cushion | 44 | 49 (stronger) |
| Loan quality | 62 | 100 (stronger) |
| Earnings | 73 | 90 (stronger) |
| Funding & liquidity | 85 (stronger) | 82 |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 24th | 77th |
| Total assets | $412.1M | $351.3M |
| Deposits / shares | $396.6M | $312.6M |
| Capital ratio | 9.39% | 9.91% (stronger) |
| Problem loans | 1.15% | 0.00% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.32% | 1.75% (stronger) |
| Loans ÷ deposits | 34.0% (stronger) | 71.1% |
| Uninsured deposits | 28.3% | 21.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
Kirkwood Bank & Trust Co. has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Tioga leads on 1 and Kirkwood Bank & Trust Co. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.