Tioga-Franklin Savings Bank
Philadelphia, Pennsylvania · FDIC Cert #33802
Tioga-Franklin Savings Bank is an FDIC-insured bank (Certificate #33802) with $71M in total assets and $63M in total deposits as of the Q2 2024 Call Report. Headquartered in Philadelphia, Pennsylvania, the bank maintains a Tier 1 capital ratio of 11.64% (Well-Capitalized) and a nonperforming loan ratio of 10.24%. BankHealthData assigns a composite Health Grade of D (39/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Tioga-Franklin Savings Bank (FDIC cert 33802) is a community bank — $71M in total assets, $63M in deposits, serving the Philadelphia, Pennsylvania area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.64% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality shows stress: non-performing loan ratio of 10.24% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is in the normal range: 18.5% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -1.59% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Tioga-Franklin Savings Bank carries a composite BankHealth grade of D (39/100) 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: Tioga-Franklin Savings Bank
- Total Assets
- $71M
- Total Deposits
- $63M
- Tier 1 Capital Ratio
- 11.64%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 10.24%
- Liquidity Ratio
- 18.46%
- Return on Assets
- -1.59%
- Headquarters
- Philadelphia, Pennsylvania
- FDIC Certificate
- #33802
- Health Grade
- D (39/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Tioga-Franklin Savings Bank holds a Tier 1 capital ratio of 11.64%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Tioga-Franklin Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Tioga-Franklin Savings Bank shows some financial weakness with a Health Score of 39/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 Tioga-Franklin Savings Bank Compares
Tioga-Franklin Savings Bank’s Health Score of 39 is 31 points below the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 11.64% Tier 1 capital ratio is 2.4 points below the US banking industry average near 14%. The 10.24% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -1.59% is below the national ROA benchmark of ~1.1%. Among 810 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Tioga-Franklin Savings Bank is 31 points below the portfolio average of 70.
Frequently Asked Questions
Tioga-Franklin Savings Bank has a Bank Health Score of D (39/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 11.64%, 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. Tioga-Franklin Savings Bank's Tier 1 capital ratio of 11.64% and nonperforming loan ratio of 10.24% indicate an elevated 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 Tioga-Franklin Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33802). 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.
Tioga-Franklin Savings Bank holds $71M in total assets and $63M in total deposits. It is headquartered in Philadelphia, Pennsylvania (FDIC Certificate #33802).
Tioga-Franklin Savings Bank has a Tier 1 capital ratio of 11.64%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 10.24%, and the return on assets is -1.59%.
Yes. Tioga-Franklin Savings Bank is FDIC-insured (Certificate #33802). 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 D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Tioga-Franklin Savings Bank shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.