Bank of Tioga
Tioga, North Dakota · FDIC Cert #17280
Bank of Tioga is an FDIC-insured bank (Certificate #17280) with $404M in total assets and $401M in total deposits as of the Q2 2024 Call Report. Headquartered in Tioga, North Dakota, the bank maintains a Tier 1 capital ratio of 13.28% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (95/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Tioga (FDIC cert 17280) is a community bank — $404M in total assets, $401M in deposits, serving the Tioga, North Dakota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.28% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 62.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.36% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Tioga carries a composite BankHealth grade of A (95/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Tioga
- Total Assets
- $404M
- Total Deposits
- $401M
- Tier 1 Capital Ratio
- 13.28%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 62.37%
- Return on Assets
- 2.36%
- Headquarters
- Tioga, North Dakota
- FDIC Certificate
- #17280
- Health Grade
- A (95/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Tioga holds a Tier 1 capital ratio of 13.28%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Tioga has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Tioga shows strong financial health indicators. With $404M in assets and a Health Score of 95/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Tioga Compares
Bank of Tioga’s Health Score of 95 is 27 points above the North Dakota state average of 68 across 55 FDIC-insured banks. Its 13.28% Tier 1 capital ratio is 0.7 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.36% is in line with or above the national ROA benchmark of ~1.1%. Among 1534 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Bank of Tioga is 25 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Tioga has a Bank Health Score of A (95/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.28%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Tioga's Tier 1 capital ratio of 13.28% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Tioga is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17280). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Tioga holds $404M in total assets and $401M in total deposits. It is headquartered in Tioga, North Dakota (FDIC Certificate #17280).
Bank of Tioga has a Tier 1 capital ratio of 13.28%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 2.36%.
Yes. Bank of Tioga is FDIC-insured (Certificate #17280). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Tioga's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.