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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
45
/ 100
WatchAs of 2025-Q4QoQ -7

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

Quarterly Headline

2025-Q4

Bank #885579 2025-Q4 Vital Signs Score: 45/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 120.9% (industry watch band 50% / risk band 100%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.8% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.95% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -21
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
89
Sub-score

Liquidity is strong: brokered 1.8%, loans/deposits 84.3%, cash 8.8% of assets.

Cash / Assets
8.82%
Loans / Deposits
84.31%
Brokered %
1.78%
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 -21
0
Sub-score

Capital position is weak: Tier 1 RBC 5.33%, CET1 5.33%, leverage 3.63%.

Tier 1 RBC
5.33%
CET1
5.33%
Leverage
3.63%

Watch Items

  • watchTier 1 RBC below 8% — Tier 1 RBC 5.33% (PCA threshold 8%).
  • watchCET1 below 7% — CET1 5.33% (threshold 7%).
  • watchTier 1 Leverage below 5% — Tier 1 Leverage 3.63% (PCA threshold 5%).

Asset Quality

RiskQoQ -6
27
Sub-score

Asset quality is weak: Adjusted NPL 7.95%, Texas Ratio 120.9%, NCO YTD 0.00%.

Adjusted NPL
7.95%
Govt-guarantees stripped
Texas Ratio
120.9%
NCO YTD
0.00%
30-89 PD
4.34%
Band 0.3% / 3.0%
90+ PD
0.82%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.95% (govt-guarantees stripped).
  • riskTexas Ratio above 50% — Texas Ratio 120.9% (industry watch band 50% / risk band 100%).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.98% of loans, coverage 25.4%, true coverage 23.8%.

ALLL / Loans
1.98%
Coverage
25.4%
True Loss Coverage
23.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.8% (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