Side-by-side · Q2 2026 data
Tioga State Bank National Association vs Geddes Federal Savings and Loan Association
Metric by metric
| Measure | Tioga State Bank National Association | Geddes Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 64 | 97 (stronger) |
| Loan quality | 67 | 85 (stronger) |
| Earnings | 72 (stronger) | 33 |
| Funding & liquidity | 80 (stronger) | 50 |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 47th | 57th |
| Total assets | $625.2M | $685.7M |
| Deposits / shares | $538.1M | $512.0M |
| Capital ratio | 11.38% | 14.70% (stronger) |
| Problem loans | 1.00% | 0.44% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.31% (stronger) | 0.32% |
| Loans ÷ deposits | 71.9% (stronger) | 113.2% |
| Uninsured deposits | 22.4% | 12.6% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.1% |
Geddes Federal Savings and Loan Association has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Tioga State Bank National Association leads on 2 and Geddes Federal Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.