Bank · FDIC insured
Tioga State Bank
A $625.2M bank headquartered in Spencer, NY, with 10 branches in New York. Best rates: CDs 3.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.20%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Tioga State Bank
Tioga State Bank has been committed to community care since 1864.
- Headquarters
- 1 N Main St, Spencer, NY 14883
- FDIC certificate
- 9410 ↗
Branches
10 branches in New York
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New York
10 branches
Binghamton area · 2
- Conklin Avenue Office Branch191 Conklin Ave, Binghamton, NY 13903Directions
- Upper Front Street Office Branch1430 Upper Front St, Binghamton, NY 13901Directions
Spencer area · 1
- Tioga State Bank National AssociationMain office1 N Main St, Spencer, NY 14883Directions
Candor area · 1
- Candor Branch73 Main St, Candor, NY 13743Directions
Endwell area · 1
- Endwell Office Branch510 Hooper Rd, Endwell, NY 13760Directions
Johnson City area · 1
- Johnson City Office Branch716 Harry L Drive, Johnson City, NY 13790Directions
Newfield area · 1
- Newfield Branch183 Main St, Newfield, NY 14867Directions
Owego area · 1
- Owego Fifth Avenue Branch923 State Route 17c, Owego, NY 13827Directions
Vestal area · 1
- Vestal Branch1250 Vestal Pkwy E, Vestal, NY 13850Directions
Waverly area · 1
- Waverly Branch436 Cayuta Ave, Waverly, NY 14892Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.38% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.31% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $73 | $81 | — |
- CapitalLeverage ratio11.38%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.31%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$73Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Tioga State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.