Tioga Stb NA
Spencer, New York · FDIC Cert #9410
Tioga Stb NA is an FDIC-insured bank (Certificate #9410) with $589M in total assets and $510M in total deposits as of the Q2 2024 Call Report. Headquartered in Spencer, New York, the bank maintains a Tier 1 capital ratio of 19.47% (Well-Capitalized) and a nonperforming loan ratio of 2.19%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Tioga Stb NA (FDIC cert 9410) is a community bank — $589M in total assets, $510M in deposits, serving the Spencer, New York 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 19.47% 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 elevated: non-performing loan ratio of 2.19% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 30.7% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.08% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. 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 Stb NA carries a composite BankHealth grade of A (83/100) 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 Stb NA
- Total Assets
- $589M
- Total Deposits
- $510M
- Tier 1 Capital Ratio
- 19.47%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.19%
- Liquidity Ratio
- 30.71%
- Return on Assets
- 1.08%
- Headquarters
- Spencer, New York
- FDIC Certificate
- #9410
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Tioga Stb NA holds a Tier 1 capital ratio of 19.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Tioga Stb NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Tioga Stb NA shows strong financial health indicators. With $589M in assets and a Health Score of 83/100, 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 Tioga Stb NA Compares
Tioga Stb NA’s Health Score of 83 is 12 points above the New York state average of 71 across 130 FDIC-insured banks. Its 19.47% Tier 1 capital ratio is 5.5 points above the US banking industry average near 14%. The 2.19% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.08% is below the national ROA benchmark of ~1.1%. Among 1388 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Tioga Stb NA is 13 points above the portfolio average of 70.
Frequently Asked Questions
Tioga Stb NA has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 19.47%, 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 Stb NA's Tier 1 capital ratio of 19.47% and nonperforming loan ratio of 2.19% 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 Tioga Stb NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9410). 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 Stb NA holds $589M in total assets and $510M in total deposits. It is headquartered in Spencer, New York (FDIC Certificate #9410).
Tioga Stb NA has a Tier 1 capital ratio of 19.47%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.19%, and the return on assets is 1.08%.
Yes. Tioga Stb NA is FDIC-insured (Certificate #9410). 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%).
Tioga Stb NA'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.