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The Bank Of Tioga

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q3QoQ +4

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

Quarterly Headline

2024-Q3

Bank #768953 2024-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.77% of assets (threshold 3%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -1
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +15

The five pillars

Liquidity

StableQoQ 0
62
Sub-score

Liquidity is stable: brokered 34.0%, loans/deposits 25.8%, cash 1.8% of assets.

Cash / Assets
1.77%
Loans / Deposits
25.84%
Brokered %
33.99%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.0% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.77% of assets (threshold 3%).

Securities

WatchQoQ -1
41
Sub-score

Securities profile is deteriorating: securities 37.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
37.63%
No watch items at this period.

Capitalization

StrongQoQ +3
86
Sub-score

Capital position is strong: Tier 1 RBC 14.38%, CET1 14.38%, leverage 7.59%.

Tier 1 RBC
14.38%
CET1
14.38%
Leverage
7.59%
No watch items at this period.

Asset Quality

StrongQoQ +4
97
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.01%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
-0.01%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +15
37
Sub-score

Reserves are weak: ALLL 0.87% of loans.

ALLL / Loans
0.87%
Coverage
—
True Loss Coverage
—
No watch items at this period.

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