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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #768953 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.89% of assets (threshold 3%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +5
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 32.6%, loans/deposits 27.5%, cash 1.9% of assets.

Cash / Assets
1.89%
Loans / Deposits
27.53%
Brokered %
32.56%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.6% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.89% of assets (threshold 3%).

Securities

WatchQoQ +5
55
Sub-score

Securities profile is deteriorating: securities 33.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.49%
No watch items at this period.

Capitalization

StrongQoQ -4
84
Sub-score

Capital position is strong: Tier 1 RBC 14.35%, CET1 14.35%, leverage 7.11%.

Tier 1 RBC
14.35%
CET1
14.35%
Leverage
7.11%
No watch items at this period.

Asset Quality

StrongQoQ -5
88
Sub-score

Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 1.6%, NCO YTD 0.00%.

Adjusted NPL
0.46%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
0.00%
30-89 PD
1.70%
Band 0.3% / 3.0%
90+ PD
0.46%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +9
81
Sub-score

Reserves are strong: ALLL 0.94% of loans, coverage 206.1%, true coverage 206.1%.

ALLL / Loans
0.94%
Coverage
206.1%
True Loss Coverage
206.1%
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