BlastPoint's Banking Scorecard
Tioga-Franklin Savings Bank
Micro
Specialty: Commercial
PA
FDIC cert 33802
Designations: ✓ Community bank ✓ Mutual
Philadelphia, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Tioga-Franklin Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.11% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.10% below tier
- - Efficiency Ratio 65.09% above tier
- - Delinquency Rate 7.31% above tier
- - Non-Interest-Bearing Deposit Share 20.38% below tier
- - Nonperforming Asset Ratio 6.13% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.4M
+0.8% YoY
-0.3% QoQ
|
-$146.1M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$56.6M
+7.7% YoY
+1.9% QoQ
|
-$82.6M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$67.1M
+4.1% YoY
-0.1% QoQ
|
-$116.6M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
-1.02%
+47.0% YoY
-17.5% QoQ
|
-2.10% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.03%
-2.0% YoY
+3.2% QoQ
|
-0.82% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
132.82%
-23.6% YoY
+9.5% QoQ
|
+65.09% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
7.95%
-9.1% YoY
+3.1% QoQ
|
+7.31% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
84.31%
+3.4% YoY
+2.0% QoQ
|
+9.78% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
2.01%
+134.1% YoY
+13.3% QoQ
|
-20.38% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
6.59%
-2.8% YoY
+5.3% QoQ
|
+6.13% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
5.33%
-31.8% YoY
-15.8% QoQ
|
-3.52% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.67%
+49.9% YoY
+4.3% QoQ
|
+1.11% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.67%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (5)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-1.02%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
132.82%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.95%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.59%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest Income / Assets
Current: 1.67% · Tier avg: 0.56%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.31% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 5.33% · Tier avg: 8.85%
23
23th pctile
Total Loans
Current: $56.6M · Tier avg: $139.2M
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
16
16th pctile
Total Deposits
Current: $67.1M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $71.4M · Tier avg: $217.5M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.01% · Tier avg: 22.39%
3
3th pctile
Return on Assets
Current: -1.02% · Tier avg: 1.08%
1
1th pctile
Efficiency Ratio
Current: 132.82% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 7.95% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 6.59% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 6.59% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.95% · Tier avg: 0.64%
1
1th pctile
Efficiency Ratio
Current: 132.82% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -1.02% · Tier avg: 1.08%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.01% · Tier avg: 22.39%
13
13th pctile
Total Assets
Current: $71.4M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.1M · Tier avg: $183.7M
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
23
23th pctile
Total Loans
Current: $56.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 5.33% · Tier avg: 8.85%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.31% · Tier avg: 74.53%
96
96th pctile
Non-Interest Income / Assets
Current: 1.67% · Tier avg: 0.56%