Tioga State Bank National Association
Spencer, NY
IDRSSD: 910118
Total Assets
$589.22M
Latest filing
Total Deposits
$513.25M
Latest filing
Net Interest Margin
4.44%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Tioga State Bank National Association
1 N Main St
Spencer, NY 14883
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/24/1884FDIC Certificate 6045
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Tioga State Bank National Association (Main) | 1 N Main St | Spencer, NY |
| CANDOR BRANCH | 73 Main St | Candor, NY |
| OWEGO FIFTH AVENUE BRANCH | 923 State Route 17c | Owego, NY |
| NEWFIELD BRANCH | 183 Main St | Newfield, NY |
| VAN ETTEN BRANCH | 6 Main St | Van Etten, NY |
| UPPER NORTH AVENUE BRANCH | 1387 State Route 96 | Owego, NY |
| WAVERLY BRANCH | 436 Cayuta Ave | Waverly, NY |
| VESTAL BRANCH | 1250 Vestal Pkwy E | Vestal, NY |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/24/1884 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 14883 |
| State and County Number | 36107 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Binghamton, NY |
Operational Info
| Number of Employees | 103 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.tiogabank.com |
| Data Updated | 11/14/2025 |
| CERT | 9410 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $589.22M |
| Total Deposits | $513.25M |
| Total Liabilities | $524.64M |
| Total Equity Capital | $64.58M |
| Net Income | $1.76M |
| Net Loans and Leases | $374.39M |
| Assets Per Employee ($Millions) | $5.78M |
| Bank Premises and Fixed Assets | $9.01M |
| Cash and Balances due from Depository Institutions | $35.07M |
| Deposits Held in Domestic Offices | $513.25M |
Key Performance Ratios
| Return on Assets (ROA) | 1.21% |
| Return on Equity (ROE) | 11.17% |
| Net Interest Margin | 4.44% |
| Efficiency Ratio | 67.54% |
| Tier 1 Risk-Based Capital Ratio | 19.967% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.96% |
| Earning Assets to total Assets | 91.74% |
Income and Expense
| Total Interest Income | $7.38M |
| Total Noninterest Income | $1.10M |
| Total Interest Expense | $1.45M |
| Total Noninterest Expense | $4.75M |
| Net Interest Income | $5.93M |
| Pre-tax Net Operating Income | $2.04M |
| Provision for Credit Losses | $245.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.89M |
| Total Liabilities and Capital | $589.22M |
Securities
| Securities | $140.94M |
| Available-for-sale debt securities | $139.41M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.53M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Tioga State Bank National Association?
$589.22M as of the latest filing.
How much are Tioga State Bank National Association's total deposits?
$513.25M in total deposits.
Where is Tioga State Bank National Association located?
Spencer, NY.
What is the Net Interest Margin?
4.44%.
How many domestic offices does it operate?
12.
When was it established?
03/24/1884.
What is the Return on Assets (ROA)?
1.21%.
How much are total loans and leases?
$374.39M (latest filing).
What is the total interest income (latest filing)?
$7.38M.