Vitals
  • Total Assets
    461.5M 7.1 %
  • Total Deposits
    367.3M 9.0 %
  • Total Net Loans
    282.6M 2.5 %
  • Net Income
    4.5M 1.7 %
  • Book Value
    51.4M -0.2 %
  • Book Value x2
    102.8M -0.2 %
  • Book Value x3
    154.2M -0.2 %
ROAA

1.008

ROAE

8.564

Efficiency Ratio

65.773

Net Interest Margin

3.962

Balance Sheet Highlights
Financial Highlights Tioga State Bank All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 461,536 1,637,033
Total Net Loans 282,566 1,047,955
Total Deposits 367,278 1,296,950
Total Equity 51,404 187,165
Profitability
Net Income 4,524 13,254
Return on Average Assets 1.008 .773
Return on Average Equity 8.564 7.506
Net Interest Margin 3.962 3.19
Efficiency Ratio 65.773 65.064
Noninterest Income/Revenue 14.52 18.239
Balance Sheet Ratios
Loan-to-Deposit 76.935 73.986
Securities/Assets .311 .167
Total Equity/Total Assets .111 .114
Tangible Equity/Tangible Assets .111 .109
Capital Adequacy
Tier 1 Common Capital 53,073 154,500
Tier 1 Capital 53,073 155,066
Tier 2 Capital 3,747 9,750
Total Capital 56,820 168,084
Total Risk Weighted Assets 299,462 1,138,832
Leverage Ratio 11.56 10.188
Common Equity Tier 1 Capital Ratio 17.72 16.458
Tier 1 Capital Ratio 17.72 16.551
Total Capital Ratio 18.97 17.647

Timeline for Tioga State Bank

Tioga State Insurance Agency

Tioga State Insurance Agency became a new subsidiary organization for Tioga State Bank.

View Profile Oct 25 1999

Tsb Services, Inc.

Tsb Services, Inc. became a new parent organization for Tioga State Bank.

View Profile Mar 16 1984

First National Bank

Acquisition: Tioga State Bank acquired a new subsidiary, First National Bank , 62 years

View Profile Jul 03 1961

Tioga State Bank

Tioga State Bank was established 140 years ago and is currently headquartered in Spencer, NY.

Mar 24 1884
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First National Bank Seller Discontinued 7/3/1961
Relationships Role Relationship Start Relationship End
Tsb Services, Inc. Parent 1/4/1991
Tsb Services, Inc. Parent 11/1/1990 1/3/1991
Tsb Services, Inc. Parent 3/1/1990 10/31/1990
Tsb Services, Inc. Parent 3/16/1984 2/28/1990
Tioga State Insurance Agency Subsidary 6/30/2007
Tioga State Insurance Agency Subsidary 10/25/1999 6/29/2007
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