Tioga State Bank National Association
Spencer, NY · National commercial bank
Sonar Score
Watch
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $639.7M
- Total deposits
- $555M
- Branches
- 10
- Return on assets
- 1.29%
- Return on equity
- 12.54%
- Charter type
- National commercial bank
- Established
- 1884
- FDIC cert #
- 9410
How the 64 breaks down
Capital ratio not reported.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at Tioga State Bank National Association
Tioga State Bank National Association is an FDIC-insured institution (Cert #9410). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
10 branch locations
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
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