Tioga State Bank National Association is a bank based in Spencer, New York, established in 1884, with $640 million in total assets across 10 branches. By Trust Grade it ranks 31st of 118 banks we track in New York. Its capital ratio of 10.1% trails most similarly sized banks (49th percentile), versus a New York median of 10.4%. It was profitable over the most recent period, with a 1.29% return on assets. No consumer complaints against Tioga State Bank National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Tioga State Bank National Association compares to New York peers
How we graded Tioga State Bank National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.1% capital ratio)
- Strongly profitable (ROA 1.29%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Tioga State Bank National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 73 Main St, Candor, NY 13743
- 923 State Route 17c, Owego, NY 13827
- 183 Main St, Newfield, NY 14867
- 436 Cayuta Ave, Waverly, NY 14892
- 1250 Vestal Pkwy E, Vestal, NY 13850
- 510 Hooper Rd, Endwell, NY 13760
- 1430 Upper Front St, Binghamton, NY 13901
- 191 Conklin Ave, Binghamton, NY 13903
- 1 N Main St, Spencer, NY 14883
- 716 Harry L Drive, Johnson City, NY 13790
Are deposits at Tioga State Bank National Association insured?
Yes. Tioga State Bank National Association is an FDIC-insured bank (FDIC certificate #9410). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Tioga State Bank National Association: frequently asked questions
Is Tioga State Bank National Association a good bank?
Tioga State Bank National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.1% capital ratio); Strongly profitable (ROA 1.29%).
Is Tioga State Bank National Association FDIC-insured?
Yes. Tioga State Bank National Association is a FDIC-insured bank (FDIC certificate #9410). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Tioga State Bank National Association?
Tioga State Bank National Association holds $640 million in total assets, ranking 31st of 118 banks we track in New York. It operates 10 branches.
Does Tioga State Bank National Association have CFPB complaints?
No CFPB complaints against Tioga State Bank National Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
