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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #885579 2024-Q2 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.2% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.50% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
88
Sub-score

Liquidity is strong: brokered 6.5%, loans/deposits 85.1%, cash 17.9% of assets.

Cash / Assets
17.92%
Loans / Deposits
85.08%
Brokered %
6.45%
No watch items at this period.

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

StableQoQ -10
75
Sub-score

Capital position is stable: Tier 1 RBC 12.53%, CET1 12.53%, leverage 7.56%.

Tier 1 RBC
12.53%
CET1
12.53%
Leverage
7.56%
No watch items at this period.

Asset Quality

RiskQoQ -1
20
Sub-score

Asset quality is weak: Adjusted NPL 10.50%, Texas Ratio 83.6%, NCO YTD 0.00%.

Adjusted NPL
10.50%
Govt-guarantees stripped
Texas Ratio
83.6%
NCO YTD
0.00%
30-89 PD
4.68%
Band 0.3% / 3.0%
90+ PD
6.51%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.50% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 83.6% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 6.51%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.48% of loans, coverage 24.2%, true coverage 22.7%.

ALLL / Loans
2.48%
Coverage
24.2%
True Loss Coverage
22.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.7% (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