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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2026-Q1QoQ -4

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

Quarterly Headline

2026-Q1

Bank #768953 2026-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

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 1.86% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↓ -7
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ -1
62
Sub-score

Liquidity is stable: brokered 35.8%, loans/deposits 30.7%, cash 1.9% of assets.

Cash / Assets
1.86%
Loans / Deposits
30.66%
Brokered %
35.80%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.8% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.86% of assets (threshold 3%).

Securities

WatchQoQ -7
50
Sub-score

Securities profile is deteriorating: securities 35.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
35.03%
No watch items at this period.

Capitalization

StrongQoQ +4
97
Sub-score

Capital position is strong: Tier 1 RBC 15.64%, CET1 15.64%, leverage 9.33%.

Tier 1 RBC
15.64%
CET1
15.64%
Leverage
9.33%
No watch items at this period.

Asset Quality

StrongQoQ -8
80
Sub-score

Asset quality is strong: Adjusted NPL 1.29%, Texas Ratio 4.1%, NCO YTD 0.20%.

Adjusted NPL
1.29%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.20%
30-89 PD
2.08%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -8
42
Sub-score

Reserves are deteriorating: ALLL 0.95% of loans, coverage 74.7%, true coverage 74.7%.

ALLL / Loans
0.95%
Coverage
74.7%
True Loss Coverage
74.7%
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