Side-by-side · Q2 2026 data
The First National Bank of Groton vs Tioga State Bank National Association
Metric by metric
| Measure | The First National Bank of Groton | Tioga State Bank National Association |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 96 (stronger) | 64 |
| Loan quality | 46 | 67 (stronger) |
| Earnings | 72 | 72 |
| Funding & liquidity | 97 (stronger) | 80 |
| Problem-loan coverage | 86 | 89 (stronger) |
| Peer percentile | 72nd | 47th |
| Total assets | $203.9M | $625.2M |
| Deposits / shares | $175.1M | $538.1M |
| Capital ratio | 14.58% (stronger) | 11.38% |
| Problem loans | 1.62% | 1.00% (stronger) |
| Net charge-offs | 0.08% | 0.04% (stronger) |
| Return on assets | 1.30% | 1.31% (stronger) |
| Loans ÷ deposits | 59.7% (stronger) | 71.9% |
| Uninsured deposits | 17.9% (stronger) | 22.4% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
The First National Bank of Groton has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Groton leads on 4 and Tioga State Bank National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.