Visbanking Logo
Skip to main content

Tioga Franklin Savings Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
53
/ 100
WatchAs of 2024-Q4QoQ -5

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

Quarterly Headline

2024-Q4

Bank #885579 2024-Q4 Vital Signs Score: 53/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.77% (govt-guarantees stripped).
  2. watch
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 80.7% (industry watch band 50% / risk band 100%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -17
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
90
Sub-score

Liquidity is strong: brokered 6.1%, loans/deposits 81.2%, cash 19.5% of assets.

Cash / Assets
19.45%
Loans / Deposits
81.23%
Brokered %
6.12%
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

RiskQoQ -17
35
Sub-score

Capital position is weak: Tier 1 RBC 9.31%, CET1 9.31%, leverage 6.17%.

Tier 1 RBC
9.31%
CET1
9.31%
Leverage
6.17%
No watch items at this period.

Asset Quality

RiskQoQ -1
24
Sub-score

Asset quality is weak: Adjusted NPL 8.77%, Texas Ratio 80.7%, NCO YTD 0.00%.

Adjusted NPL
8.77%
Govt-guarantees stripped
Texas Ratio
80.7%
NCO YTD
0.00%
30-89 PD
4.32%
Band 0.3% / 3.0%
90+ PD
1.58%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.77% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 80.7% (industry watch band 50% / risk band 100%).
  • watch90+ days past due elevated — 90+ PD 1.58%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.55% of loans, coverage 29.9%, true coverage 27.9%.

ALLL / Loans
2.55%
Coverage
29.9%
True Loss Coverage
27.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.9% (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