BlastPoint's Banking Scorecard
Tioga State Bank National Association
Spencer, NY
10 branches across NY
Tioga State Bank National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.03% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$639.7M
+10.5% YoY
+5.1% QoQ
|
+$253.6M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$375.9M
+2.4% YoY
-0.0% QoQ
|
+$120.2M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$555.0M
+9.1% YoY
+5.9% QoQ
|
+$227.0M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
1.29%
+89.2% YoY
+31.1% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
4.20%
+1.5% YoY
-3.5% QoQ
|
+0.27% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
67.32%
-13.3% YoY
-3.0% QoQ
|
+2.03% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.90%
-59.5% YoY
+16.5% QoQ
|
+0.01% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
67.73%
-6.1% YoY
-5.6% QoQ
|
-8.90% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
29.31%
-11.8% YoY
-7.3% QoQ
|
+7.29% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.53%
-62.4% YoY
+10.8% QoQ
|
-0.11% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
20.14%
+2.4% YoY
+2.9% QoQ
|
+4.31% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 12.9% in tier |
| Non-Interest Income / Assets ? |
0.20%
+5.5% YoY
-73.3% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Top 14.1% in tier |
Get Full Access to Tioga State Bank National Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.