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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-Q2QoQ +4

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

Quarterly Headline

2025-Q2

Bank #885579 2025-Q2 Vital Signs Score: 55/100 — 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 7.46% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.2% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +16
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -2
87
Sub-score

Liquidity is strong: brokered 6.1%, loans/deposits 86.9%, cash 10.8% of assets.

Cash / Assets
10.81%
Loans / Deposits
86.94%
Brokered %
6.08%
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 +16
37
Sub-score

Capital position is weak: Tier 1 RBC 9.36%, CET1 9.36%, leverage 6.55%.

Tier 1 RBC
9.36%
CET1
9.36%
Leverage
6.55%
No watch items at this period.

Asset Quality

RiskQoQ +2
33
Sub-score

Asset quality is weak: Adjusted NPL 7.46%, Texas Ratio 70.1%, NCO YTD -0.01%.

Adjusted NPL
7.46%
Govt-guarantees stripped
Texas Ratio
70.1%
NCO YTD
-0.01%
30-89 PD
3.81%
Band 0.3% / 3.0%
90+ PD
0.78%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.46% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 70.1% (industry watch band 50% / risk band 100%).

Reserves

RiskQoQ +1
34
Sub-score

Reserves are weak: ALLL 2.53% of loans, coverage 34.8%, true coverage 32.2%.

ALLL / Loans
2.53%
Coverage
34.8%
True Loss Coverage
32.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.2% (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