Total Assets
$625.2M
Total Deposits
$538.1M
Branches
12
Established
1884
Tioga State Bank National Association is a bank headquartered in Spencer, New York, established in 1884. It holds $625.2M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Tioga State Bank National Association earns a TFS Financial Health Grade of A- (86.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
86.1 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Tioga State Bank National Association?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Tioga State Bank National AssociationHQ | 1 N Main St | Spencer | NY | 11 |
| Tioga State Bank National Association | 191 Conklin Ave | Binghamton | NY | 11 |
| Tioga State Bank National Association | 1430 Upper Front St | Binghamton | NY | 11 |
| Tioga State Bank National Association | 73 Main St | Candor | NY | 11 |
| Tioga State Bank National Association | 510 Hooper Rd | Endwell | NY | 11 |
| Tioga State Bank National Association | 716 Harry L Drive | Johnson City | NY | 11 |
| Tioga State Bank National Association | 183 Main St | Newfield | NY | 11 |
| Tioga State Bank National Association | 1387 State Route 96 | Owego | NY | 23 |
| Tioga State Bank National Association | 923 State Route 17c | Owego | NY | 11 |
| Tioga State Bank National Association | 6 Main St | Van Etten | NY | 23 |
| Tioga State Bank National Association | 1250 Vestal Pkwy E | Vestal | NY | 11 |
| Tioga State Bank National Association | 436 Cayuta Ave | Waverly | NY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
86.1
Tier 1 capital ratio
11.38%
Return on assets
1.31%
Non-performing loans
1.00%
Efficiency ratio
66.63%
Asset growth (YoY)
8.77%
Suggested direct comparisons
Buffalo, NY
$218.8B
$641.0M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.