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Tioga State Bank National Association

IDRSSD: 910118
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #910118 2024-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.16% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +11

The five pillars

Liquidity

StrongQoQ -2
86
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 74.0%, cash 5.6% of assets.

Cash / Assets
5.59%
Loans / Deposits
73.99%
Brokered %
3.01%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.90%, CET1 19.90%, leverage 12.08%.

Tier 1 RBC
19.90%
CET1
19.90%
Leverage
12.08%
No watch items at this period.

Asset Quality

StrongQoQ +1
85
Sub-score

Asset quality is strong: Adjusted NPL 2.16%, Texas Ratio 10.4%, NCO YTD 0.01%.

Adjusted NPL
2.16%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.01%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.16% (govt-guarantees stripped).

Reserves

StableQoQ +11
60
Sub-score

Reserves are stable: ALLL 1.72% of loans, coverage 80.9%, true coverage 72.0%.

ALLL / Loans
1.72%
Coverage
80.9%
True Loss Coverage
72.0%
No watch items at this period.

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 23:27:51 UTC