Side-by-side · Q2 2026 data
Tioga State Bank National Association vs Empire State Bank
Metric by metric
| Measure | Tioga State Bank National Association | Empire State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 59 |
| Capital cushion | 64 (stronger) | 51 |
| Loan quality | 67 | 70 (stronger) |
| Earnings | 72 (stronger) | 52 |
| Funding & liquidity | 80 (stronger) | 50 |
| Problem-loan coverage | 89 (stronger) | 86 |
| Peer percentile | 47th | 17th |
| Total assets | $625.2M | $617.8M |
| Deposits / shares | $538.1M | $511.6M |
| Capital ratio | 11.38% (stronger) | 10.13% |
| Problem loans | 1.00% | 0.91% (stronger) |
| Net charge-offs | 0.04% | -0.02% (stronger) |
| Return on assets | 1.31% (stronger) | 0.80% |
| Loans ÷ deposits | 71.9% (stronger) | 102.9% |
| Uninsured deposits | 22.4% | 21.4% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tioga State Bank National Association has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Tioga State Bank National Association leads on 4 and Empire State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.