| Weiss Ratings |
Tioga State Bank, N.A.
Spencer, NY |
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| Rating | ||||
| Asset Quality Index | 6.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 3.00 | |||
| Stability Index | 8.00 | |||
| Company Info |
Tioga State Bank, N.A.
Spencer, NY |
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| FDIC Number | 9410 | |||
| Phone Number | (607) 589-7000 | |||
| Website | www.tiogabank.com | |||
| Asset Quality |
Tioga State Bank, N.A.
Spencer, NY |
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| 1-Year Asset Growth | -2.39% | |||
| 5-Year Asset Growth | 2.87% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.65% | |||
| Non-Performing Assets to Assets | 0.63% | |||
| Non-Performing Loans to Capital | 4.51% | |||
| Non-Performing Loans to Loans | 0.98% | |||
| Balance Sheet |
Tioga State Bank, N.A.
Spencer, NY |
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| Total Assets | 574.78M | |||
| Total Deposits | 503.27M | |||
| Capital and Reserves |
Tioga State Bank, N.A.
Spencer, NY |
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| Capital | 61.37M | |||
| Leverage Ratio | 11.79 | |||
| Loan Loss Reserves to Loans | 1.67% | |||
| Risk-Based Capital Ratio | 20.96 | |||
| Liquidity |
Tioga State Bank, N.A.
Spencer, NY |
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| Hot Money Ratio | 7.03% | |||
| Liquidity Ratio | 23.49% | |||
| Profitability |
Tioga State Bank, N.A.
Spencer, NY |
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| 5-Year Return on Average Assets | 1.08% | |||
| Net Income | 2.08M | |||
| Net Interest Spread | 4.14% | |||
| Operating Profit to Average Assets | 0.92% | |||
| Overhead Efficiency Ratio | 73.03% | |||
| Return on Assets | 0.72% | |||
| Return on Equity | 6.85% | |||