Tioga State Bank National Association
Spencer, NY · Owner: TSB Services Inc
$625M
total assets, June 30, 2026
$625M
total assets, June 30, 2026
Tioga State Bank National Association is a national bank based in Spencer, NY, owned by TSB Services Inc. As of June 30, 2026 it held $625.2 million in assets and $538.1 million in deposits; assets were up 8.8% from a year before. It has 10 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$625M
+8.8% in a year · -2.3% in a quarter
Deposits
$538M
+6.9% in a year · -3.0% in a quarter
Loans
$393M
+5.7% in a year · +2.9% in a quarter
Profit so far
$4.1M
Jan 1 to Jun 30, 2026 · +96.3% in a year
Capital ratio
11.38%
-0.41 pts in a year
Return on assets
1.31%
+0.58 pts in a year
Facts
- Type
- National bank
- Head office
- 1 N Main St, Spencer, NY, 14883
- County
- Tioga
- Holding company
- TSB Services Inc
- Established
- Mar 24, 1884
- Employees
- 103
- Branches
- 10
- Website
- www.tiogabank.com
- Id
- b9410
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
10 offices as of June 30, 2026, holding $538.1 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| New York | 10 | $538M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Owego Fifth Avenue Branch | Owego, NY | $107M |
| Upper Front Street Office Branch | Binghamton, NY | $98.2M |
| Tioga State Bank National Association (main office) | Spencer, NY | $76.8M |
| Vestal Branch | Vestal, NY | $64.5M |
| Newfield Branch | Newfield, NY | $45.6M |
| Waverly Branch | Waverly, NY | $45.2M |
| Endwell Office Branch | Endwell, NY | $44.1M |
| Candor Branch | Candor, NY | $41.4M |
| Johnson City Office Branch | Johnson City, NY | $8.7M |
| Conklin Avenue Office Branch | Binghamton, NY | $6.9M |
Related pages
Questions and answers
How big is Tioga State Bank National Association?
$625.2 million in total assets and $538.1 million in deposits as of June 30, 2026, with assets up 8.8% from a year before. Its loans were $393.3 million.
How many branches does Tioga State Bank National Association have?
10 branches in New York as of June 30, 2026.
Is Tioga State Bank National Association profitable?
Yes: it earned $4.08 million from January 1 to June 30, 2026 (up 96.3% from the same months a year before). Its return on assets was 1.31% a year; about 1% is typical.
Who owns Tioga State Bank National Association?
Tioga State Bank National Association is owned by TSB Services Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.