Visbanking Logo
Skip to main content

The Bank Of Tioga

IDRSSD: 768953
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #768953 2024-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Risk
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.8% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.91% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↓ -7
  • Capitalization
    ↓ 0
  • Asset Quality
    — —
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -1
62
Sub-score

Liquidity is stable: brokered 35.8%, loans/deposits 26.3%, cash 1.9% of assets.

Cash / Assets
1.91%
Loans / Deposits
26.33%
Brokered %
35.79%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.8% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.91% of assets (threshold 3%).

Securities

RiskQoQ -7
35
Sub-score

Securities profile is weak: securities 39.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.47%
No watch items at this period.

Capitalization

StrongQoQ 0
84
Sub-score

Capital position is strong: Tier 1 RBC 13.93%, CET1 13.93%, leverage 7.24%.

Tier 1 RBC
13.93%
CET1
13.93%
Leverage
7.24%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
23
Sub-score

Reserves are weak: ALLL 0.73% of loans.

ALLL / Loans
0.73%
Coverage
—
True Loss Coverage
—

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 18:43:06 UTC