BlastPoint's Banking Scorecard
Tioga State Bank National Association
Community
Specialty: Commercial
NY
FDIC cert 9410
Spencer, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Tioga State Bank National Association shows strong momentum with 1 strength and 9.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.33% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$608.5M
+9.0% YoY
+3.3% QoQ
|
-$782.9M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$375.9M
+2.0% YoY
+0.4% QoQ
|
-$599.5M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$523.8M
+12.4% YoY
+2.1% QoQ
|
-$640.8M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.98%
+10.5% YoY
+10.5% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
4.35%
+10.1% YoY
+0.0% QoQ
|
+0.69% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
69.38%
-4.7% YoY
-2.5% QoQ
|
+6.75% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.77%
-66.6% YoY
+13.5% QoQ
|
+0.14% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
71.77%
-9.3% YoY
-1.6% QoQ
|
-11.29% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
31.63%
-2.9% YoY
-0.8% QoQ
|
+10.59% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.48%
-69.6% YoY
+10.3% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
19.57%
+1.4% YoY
-2.0% QoQ
|
+9.33% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.75%
+2.7% YoY
+30.6% QoQ
|
+0.01% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.57%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
93
93th pctile
Tier 1 Capital Ratio
Current: 19.57% · Tier avg: 10.24%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.63% · Tier avg: 21.05%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
28
28th pctile
Efficiency Ratio
Current: 69.38% · Tier avg: 62.63%
22
22th pctile
Loan-to-Deposit Ratio
Current: 71.77% · Tier avg: 83.06%
17
17th pctile
Total Deposits
Current: $523.8M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $608.5M · Tier avg: $1.4B
12
12th pctile
Total Loans
Current: $375.9M · Tier avg: $975.5M
Top Weaknesses
12
12th pctile
Total Loans
Current: $375.9M · Tier avg: $975.5M
15
15th pctile
Total Assets
Current: $608.5M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $523.8M · Tier avg: $1.2B
22
22th pctile
Loan-to-Deposit Ratio
Current: 71.77% · Tier avg: 83.06%
28
28th pctile
Efficiency Ratio
Current: 69.38% · Tier avg: 62.63%
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.63% · Tier avg: 21.05%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.57% · Tier avg: 10.24%