BlastPoint's Banking Scorecard

Tioga State Bank National Association

$100M-$1B Specialty: Commercial NY FDIC cert 9410

Spencer, NY

10 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
Deposits +6.9% year over year ($538.1M on the books).
Delinquency rate 1.02%.
Return on assets 1.31%.
Efficiency ratio 66.63% vs a 64.48% peer average.
Loan-to-deposit ratio 71.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY

View $100M-$1B leaderboard (NY) →

Tioga State Bank National Association has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.33% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 32.9% in tier
- Efficiency Ratio 2.15% above tier average

Get updates when Tioga State Bank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$625.2M +8.8% YoY -2.3% QoQ	+$238.6M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$386.9M +5.8% YoY +2.9% QoQ	+$128.6M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$538.1M +6.9% YoY -3.0% QoQ	+$211.4M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.31% +79.4% YoY +1.6% QoQ	-0.01%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	54%
Net Interest Margin ?	4.32% +0.2% YoY +2.9% QoQ	+0.33%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	66.63% -8.8% YoY -1.0% QoQ	+2.15%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	38%
Delinquency Rate ?	1.02% +33.3% YoY +13.3% QoQ	+0.10%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	28%
Loan-to-Deposit Ratio ?	71.90% -1.1% YoY +6.2% QoQ	-6.05%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	31.36% -4.0% YoY +7.0% QoQ	+9.33%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	85%
Nonperforming Asset Ratio ?	0.63% +29.6% YoY +19.4% QoQ	-0.04%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	19.96% +1.3% YoY -0.9% QoQ	+4.05%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 14.0% in tier
Non-Interest Income / Assets ?	0.39% -2.6% YoY +93.6% QoQ	-0.18%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	31.4% -1.3pp YoY +2.1pp QoQ	+9.2pp	22.1%	22.1%	22.2%	85%
Brokered Deposits	0.9% 0.0pp QoQ	-6.9pp	7.9%	8.0%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	10.6% -1.0pp YoY 0.0pp QoQ	-1.0pp	11.6%	11.0%	12.5%	56%
CRE	34.8% +0.7pp YoY +0.7pp QoQ	-4.7pp	39.5%	46.2%	41.4%	43%
1-4 Family	54.6% +0.5pp YoY -0.8pp QoQ	+22.0pp	32.6%	36.6%	31.3%	86%
Consumer	1.2% -0.2pp YoY 0.0pp QoQ	-2.9pp	4.1%	5.1%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	20.0% +0.2pp YoY -0.2pp QoQ	+1.1pp	18.8%	26.1%	19.7%	77%
Leverage Ratio	11.4% -0.4pp YoY +0.1pp QoQ	-0.8pp	12.2%	13.9%	12.6%	56%
Total Capital Ratio	21.2% +0.3pp YoY -0.2pp QoQ	+1.3pp	19.9%	27.2%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	103 0 YoY +3 (+3.0%) QoQ	+44	58	914	482	88%
Assets per Employee ($)	$6.1M +8.8% YoY -5.1% QoQ	-$1.4M	$7.5M	$14.8M	$8.8M	35%
Branch Count	10 -2 (-16.7%) YoY -1 (-9.1%) QoQ	+5	4	27	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.1%	0.4%	58%
Nonaccrual	0.9% +0.2pp YoY 0.0pp QoQ	-0.1pp	0.9%	1.3%	1.0%	68%
Allowance Coverage	1.63x -27.0% YoY -15.0% QoQ	-22.52x	24.15x	1.92x	20.23x	42%
Net Charge-off Rate (YTD)	0.0% -0.6pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	12.6% +5.7pp YoY +0.1pp QoQ	+0.4pp	12.2%	7.9%	11.6%	54%
Cost of Funds (YTD)	1.2% +0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	17%
Net Income ($, YTD)	$4.1M +96.3% YoY — QoQ	+$1.5M	$2.6M	$111.2M	$40.4M	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#309 of 936 • Bottom 32.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

370

Tier 1 Capital Ratio

capital

Value: 19.96%

Peer Median: 15.91%

#370 of 2643 Top 14.0% in $100M-$1B

404

Non-Interest-Bearing Deposit Share

funding

Value: 31.36%

Peer Median: 22.03%

#404 of 2643 Top 15.2% in $100M-$1B

424

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.57%

#424 of 2643 Top 16.0% in $100M-$1B

447

Total Deposits

size

Value: $538.09M

Peer Median: $326.73M

#447 of 2643 Top 16.9% in $100M-$1B

468

Total Assets

size

Value: $625.19M

Peer Median: $386.57M

#468 of 2643 Top 17.7% in $100M-$1B

591

Total Loans

size

Value: $386.90M

Peer Median: $258.35M

#591 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available