BlastPoint's Banking Scorecard
Tioga-Franklin Savings Bank
Designations: ✓ Community bank ✓ Minority Depository Institution ✓ Mutual
Philadelphia, PA
Tioga-Franklin Savings Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.00% below tier average
- - Efficiency Ratio 73.52% above tier average
- - Delinquency Rate 6.08% above tier average
- - Non-Interest-Bearing Deposit Share 21.31% below tier average
- - Nonperforming Asset Ratio 5.76% above tier average
- - Tier 1 Capital Ratio 22.04% below tier average
- - Net Interest Margin 0.56% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.0M
+2.7% YoY
-1.8% QoQ
|
+$6.9M |
$62.2M
-0.6% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$57.8M
+10.0% YoY
+2.2% QoQ
|
+$23.5M |
$34.2M
-1.4% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 13.7% in tier |
| Total Deposits ? |
$66.0M
+5.8% YoY
-1.6% QoQ
|
+$14.3M |
$51.7M
-0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
-1.16%
+52.3% YoY
+55.8% QoQ
|
-2.00% |
0.84%
-2.3% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.8% in tier |
| Net Interest Margin ? |
3.30%
+14.2% YoY
+9.0% QoQ
|
-0.56% |
3.86%
+2.8% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
161.86%
-23.6% YoY
+21.8% QoQ
|
+73.52% |
88.34%
+0.3% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.7% in tier |
| Delinquency Rate ? |
7.46%
-4.4% YoY
-6.2% QoQ
|
+6.08% |
1.37%
+33.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.1% in tier |
| Loan-to-Deposit Ratio ? |
87.52%
+4.0% YoY
+3.8% QoQ
|
+23.30% |
64.22%
-0.7% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
2.40%
+255.9% YoY
+19.3% QoQ
|
-21.31% |
23.71%
+0.3% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.7% in tier |
| Nonperforming Asset Ratio ? |
6.54%
+2.2% YoY
-2.2% QoQ
|
+5.76% |
0.79%
+28.2% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.1% in tier |
| Tier 1 Capital Ratio ? |
4.64%
-29.3% YoY
-12.8% QoQ
|
-22.04% |
26.68%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.2% in tier |
| Non-Interest Income / Assets ? |
0.11%
+50.9% YoY
-93.3% QoQ
|
-0.55% |
0.67%
+1.9% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
76% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.