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Tioga Franklin Savings Bank

IDRSSD: 885579
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2023-Q4QoQ -29

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

Quarterly Headline

2023-Q4

Bank #885579 2023-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.82% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.80%.
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -29 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -77
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -14
77
Sub-score

Liquidity is stable: brokered 10.9%, loans/deposits 101.7%, cash 10.3% of assets.

Cash / Assets
10.30%
Loans / Deposits
101.70%
Brokered %
10.93%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +9
90
Sub-score

Capital position is strong: Tier 1 RBC 14.01%, CET1 14.01%, leverage 8.14%.

Tier 1 RBC
14.01%
CET1
14.01%
Leverage
8.14%
No watch items at this period.

Asset Quality

RiskQoQ -77
23
Sub-score

Asset quality is weak: Adjusted NPL 7.82%, Texas Ratio 66.3%, NCO YTD -0.01%.

Adjusted NPL
7.82%
Govt-guarantees stripped
Texas Ratio
66.3%
NCO YTD
-0.01%
30-89 PD
8.16%
Band 0.3% / 3.0%
90+ PD
3.80%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.82% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 66.3% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 3.80%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.19% of loans, coverage 28.6%, true coverage 26.5%.

ALLL / Loans
2.19%
Coverage
28.6%
True Loss Coverage
26.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.5% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 04:08:44 UTC