Tioga State Bank National Association

Spencer, New York, Tioga County

$625M in total assets, the 1,538th largest of 4,309 US banks and 77th of 126 headquartered in New York.

At a glance

Compared with 50 banks headquartered in New York with $100 million to $1 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$625M	78%	$379M
Loans	$393M	68%	$249M
Deposits	$538M	84%	$264M
Return on assets	1.27%	77%	0.69%
Net interest margin	4.32%	73%	3.81%
Efficiency ratio	66.6%	38%	74.4%
Equity to assets	10.63%	35%	12.89%
Loans to deposits	73%	24%	89%

Total assets grew 2.7% a year over the last 5 years and 3.3% a year over 10 years, without acquisitions.

10 branches in 3 counties.

County	Deposits	Market share	Rank
Tioga County, NY	$270M	46.8%	1 of 5
Broome County, NY	$222M	6.4%	5 of 9
Tompkins County, NY	$46M	1.6%	9 of 11

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net loss of 1 branch since 2016 (11 to 10, −9.1%). 1 opened, 0 acquired, 2 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				11
2024	Opened Johnson City	1	0	+1	12
2025	Closed Van Etten	0	1	−1	11
2026 through Q2	Closed Owego	0	1	−1	10

Type	This bank	Peers
1-4 family residential	54%	46%
Commercial real estate	17%	26%
Multifamily	14%	12%
Business (C&I)	10%	9%
Construction and land	3%	3%
Consumer	1%	3%

Type	This bank	Peers
Other interest-bearing	53%	47%
Noninterest-bearing	31%	22%
Time deposits	15%	31%

Brokered deposits are 0.9% of deposits (peers 3.3%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/tioga