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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #768953 2025-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.80% of assets (threshold 3%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.0% of deposits (threshold 30%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.06%.

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +8
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -26

The five pillars

Liquidity

StableQoQ 0
62
Sub-score

Liquidity is stable: brokered 33.0%, loans/deposits 30.4%, cash 1.8% of assets.

Cash / Assets
1.80%
Loans / Deposits
30.40%
Brokered %
33.02%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.0% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.80% of assets (threshold 3%).

Securities

StableQoQ +8
63
Sub-score

Securities profile is stable: securities 31.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.08%
No watch items at this period.

Capitalization

StrongQoQ +4
88
Sub-score

Capital position is strong: Tier 1 RBC 14.29%, CET1 14.29%, leverage 8.20%.

Tier 1 RBC
14.29%
CET1
14.29%
Leverage
8.20%
No watch items at this period.

Asset Quality

StrongQoQ -1
86
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 3.7%, NCO YTD 0.01%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.01%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
1.06%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.06%.

Reserves

WatchQoQ -26
56
Sub-score

Reserves are deteriorating: ALLL 0.98% of loans, coverage 93.0%, true coverage 93.0%.

ALLL / Loans
0.98%
Coverage
93.0%
True Loss Coverage
93.0%
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