Side-by-side · Q2 2026 data
Tompkins Bank & Trust vs Tioga State Bank National Association
Metric by metric
| Measure | Tompkins Bank & Trust | Tioga State Bank National Association |
|---|---|---|
| TellerScore | 60 | 71 (stronger) |
| Capital cushion | 41 | 64 (stronger) |
| Loan quality | 73 (stronger) | 67 |
| Earnings | 75 (stronger) | 72 |
| Funding & liquidity | 40 | 80 (stronger) |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 21st | 47th |
| Total assets | $8.8B | $625.2M |
| Deposits / shares | $7.2B | $538.1M |
| Capital ratio | 9.11% | 11.38% (stronger) |
| Problem loans | 0.80% (stronger) | 1.00% |
| Net charge-offs | 0.07% | 0.04% (stronger) |
| Return on assets | 1.38% (stronger) | 1.31% |
| Loans ÷ deposits | 91.2% | 71.9% (stronger) |
| Uninsured deposits | 41.3% | 22.4% (stronger) |
| Offices | 56 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | — |
Tioga State Bank National Association has the higher TellerScore (71 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Bank & Trust leads on 2 and Tioga State Bank National Association on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.