Tioga Stb NA (FDIC #9410): Bank Stress & Real-Estate Credit Exposure

Tioga Stb NA (FDIC Cert #9410): bank stress 62/100, elevated, STABLE over 7 days; parent TSB SERVICES INC.

Tioga Stb NA (#9410) lends in 3 counties across 1 state; Tioga Stb NA (#9410) reaches 56 ZIP codes: New York 3 counties, 56 ZIPs.

Tioga Stb NA (#9410) largest markets: Broome County, NY (155 branches, 31 ZIPs) (#9410), Tompkins County, NY (18 branches, 18 ZIPs) (#9410), Tioga County, NY (60 branches, 15 ZIPs) (#9410).

Tioga Stb NA (#9410) reports $625.2 million in total assets; Tioga Stb NA (#9410) equity $66.4 million (10.6% of Tioga Stb NA (#9410) assets); Tioga Stb NA (#9410) domestic deposits $538.1 million; Tioga Stb NA (#9410) net income $4.1 million; Tioga Stb NA (#9410) return on assets 1.31%; Tioga Stb NA (#9410) return on equity 12.59%; Tioga Stb NA (#9410) net interest income $12.5 million; Tioga Stb NA (#9410) call report June 30, 2026.

Tioga Stb NA (#9410) noncurrent real-estate loans: none reported; Tioga Stb NA (#9410) net charge-offs on real estate 0.95%; Tioga Stb NA (#9410) multifamily charge-offs 2.09%; Tioga Stb NA (#9410) residential charge-offs 0.77%.

Tioga Stb NA (#9410) net interest margin 4.32% against an eight-quarter Tioga Stb NA (#9410) average of 4.19% (Tioga Stb NA (#9410) compression -0.14 points); Tioga Stb NA (#9410) non-residential real estate 77.4% of equity; Tioga Stb NA (#9410) rate-exposure score 40/100, Tioga Stb NA (#9410) fixed-rate trap 40/100; Tioga Stb NA (#9410) risk type credit driven; Tioga Stb NA (#9410) rate regime rates elevated, Tioga Stb NA (#9410) snapshot October 20, 2026.

Tioga Stb NA (#9410) stress score moved from 63 on June 22, 2026 to 62.2 on October 20, 2026; Tioga Stb NA (#9410) ranged 62.2 to 63 over 117 snapshots.

Tioga Stb NA (#9410) alerts: 3 counties; top Tioga Stb NA (#9410) alert scores: Newfield County, NY 23 (low); Vestal County, NY 23 (low); Waverly County, NY 23 (low).