Side-by-side · Q2 2026 data
Tioga State Bank National Association vs Modern Bank, National Association
Metric by metric
| Measure | Tioga State Bank National Association | Modern Bank, National Association |
|---|---|---|
| TellerScore | 71 (stronger) | 30 |
| Capital cushion | 64 (stronger) | 46 |
| Loan quality | 67 (stronger) | 0 |
| Earnings | 72 (stronger) | 25 |
| Funding & liquidity | 80 (stronger) | 55 |
| Problem-loan coverage | 89 (stronger) | 27 |
| Peer percentile | 47th | 1st |
| Total assets | $625.2M | $648.5M |
| Deposits / shares | $538.1M | $480.4M |
| Capital ratio | 11.38% (stronger) | 9.56% |
| Problem loans | 1.00% (stronger) | 5.60% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.31% (stronger) | 0.13% |
| Loans ÷ deposits | 71.9% (stronger) | 99.8% |
| Uninsured deposits | 22.4% | 19.6% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tioga State Bank National Association has the higher TellerScore (71 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Tioga State Bank National Association leads on 5 and Modern Bank, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.