# BANK OF TIOGA
TIOGA, ND · FDIC certificate 17280 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $412.1M | |
| Deposits | $396.6M | |
| Loans and leases | $136.1M | |
| Total equity | $8.6M | |
| Loans / deposits | 34.02% (p2 of band) | 82.04% |
| Liquid assets / assets | 58.47% (p96 of band) | |
| Uninsured deposits / deposits | 28.33% (p60 of band) | 25.97% |
| Brokered deposits | 34.52% | |
| Wholesale funding | 34.53% (p99 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.39% (p20 of band) | 10.81% |
| Unrealized securities loss / equity | -22.35% (p20 of band) | -8.10% |
| AOCI / equity | 24.76% (p100 of band) | |
| ROA (annualized) | 1.32% (p53 of band) | 1.28% |
| Net interest margin | 2.45% (p3 of band) | 3.91% |
| Efficiency ratio | 46.80% (p13 of band) | |
| Noncurrent loans | 1.15% (p76 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p71 of band) | |
| Reserve coverage of noncurrent | 77.61% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 6.28% (p11 of band) | |
| Auto loans | $1.5M (1.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.4% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | losing money, NIM <2.5% |  |
| 2015-03 | 0 |  | losing money, NIM <2.5% |
| 2015-06 | 3 | wholesale funding >15%, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2015-09 | 3 | brokered >10%, capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | wholesale funding >15%, capital falling |
| 2016-06 | 2 | wholesale funding >15% |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2017-03 | 4 | capital falling | AOCI drag >20% of equity |
| 2017-06 | 4 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity, capital falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 8 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits leaving |
| 2018-06 | 7 | capital falling | deposits shrinking, assets shrinking |
| 2018-09 | 6 |  | capital falling |
| 2018-12 | 6 |  |  |
| 2019-03 | 4 | capital falling | noncurrent p90, AOCI drag >20% of equity, securities losses >30% of equity |
| 2019-06 | 5 | NIM <2.5%, uninsured deposits leaving | capital falling |
| 2019-09 | 5 | expense ratio p90 | uninsured deposits leaving |
| 2019-12 | 5 | assets shrinking | expense ratio p90 |
| 2020-03 | 5 | capital falling, charge-offs p90 | reserve under noncurrent, assets shrinking |
| 2020-06 | 4 |  | capital falling |
| 2020-09 | 3 |  | NIM <2.5% |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 4 | capital falling, assets shrinking |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | assets shrinking |
| 2022-06 | 5 | assets shrinking |  |
| 2022-09 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2023-06 | 6 | NIM <2.5% |  |
| 2023-09 | 5 |  | capital falling |
| 2023-12 | 6 | leverage <7% |  |
| 2024-03 | 3 |  | losing money, expense ratio p90, leverage <7% |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 5 | securities losses >30% of equity, construction >100% equity |  |
| 2025-03 | 3 |  | securities losses >30% of equity, construction >100% equity |
| 2025-06 | 3 |  |  |
| 2025-09 | 5 | securities losses >30% of equity, reserve under noncurrent |  |
| 2025-12 | 5 | deposits shrinking, assets shrinking | securities losses >30% of equity, reserve under noncurrent |
| 2026-03 | 6 | securities losses >30% of equity, reserve under noncurrent | assets shrinking |
| 2026-06 | 4 |  | deposits shrinking, securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-10 [Fed faults Iowa bank holding companies - Banking Dive](https://news.google.com/rss/articles/CBMihAFBVV95cUxNZmlfdWF4Nmp1UEFaSVFhNGp0dDh2d1FxSE8xa2pQeEZGbFhJdzYzWEVqNVRfX01EOXRrV1VLeUpsZjhWM25SUEdCZ1Q0akRJSkwyU3NqbFdKaW9FN19qVGt3ai10V2RTckdmVE1kejVlVFlsdHBBby1yS01MZVc0X2VmT24?oc=5) · Banking Dive
- 2026-03-09 [Tioga bank names Business Banking VP - - Minot Daily News](https://news.google.com/rss/articles/CBMilAFBVV95cUxOR0RuY3J6b2dlQko4VDhiOFJmLXVMckttcmJQUVRXejVoVE5vMHFkcVlFNjdRbFlsOWVkaU5uS3ZwTDk3MkRuZkRoYnlKMzN2ZjV1LXFrU05WR0JOWUcxakxRZU9MYnZ4TjhmZjhwZ0d2TXdwNV9RblB5aE51VVI4ZVhDZUhMYlRWb2QxYkFoYnZacFNa?oc=5) · Minot Daily News
- 2026-07-10 [Federal Reserve Action Against TS Banking Group Signals Tighter Scrutiny of Capital and Liquidity - Markets Herald](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQX3M3Q0VHN3I5c0stS25Gd3N0NWVURGJJNEhiejFYQ2p2VFpVYUVXMnhNVFpDcF9aSS16Vi1jYm92NGx3VmhQVGhHTjNzcE9PQlFIcHh2a0c0UXA3OC1fR2RvSTlsNW4zSjBKeHlZWENndUZhVjNhbGZ6RUNOU3ppWXZiSVMyVDhuaE5TY1djWkJXRWlWN09BSnZRYWlLMFVmYm0xVnM0UmVlRUhVR0xiY1lwbEo2S251bnpHeVd4clpIQQ?oc=5) · Markets Herald
- 2023-04-28 [Counterfeit Crosby Bucks bills passed - journalnd.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOdUpYZTE0SlZYdFBYQU8tSmhJNjRyZlVuTmgzX0xBS05ESG52SDlpV2ozaWdKRmJwNDgxdTNYY096U0VzWUZkTDNNb0VhVEVaN3JxU0hoZ0hHZzh4bTExbTM0WEJHV2dISHdiNU5oV2xidlluUEpQWlR6MlltQXl6aEVmemRIRFVmM3RsQll6N0FVQQ?oc=5) · journalnd.com
- 2018-04-13 [Barbara Jean Garnett Obituary Apr 13, 2018 - schaudtfuneralservice.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE5SalZWcUFuQXY5elJMSFJ4TFFaOGdkc19sRXNzZk1wMEk2VGlmak5ELU16NFJvWVdlSmRBdjM1dF9Qdmk1clh4TF96Y2xMZ0s4bEhLMXJpZG8yTk56eTNpYjJtZ25DbmxnckhVQnU3QTNPY192VkpsZw?oc=5) · schaudtfuneralservice.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2025-07-28 [Louise Knudson Obituary (2025) - Sidney, MO - Fulkerson Stevenson Funeral Home - Tioga - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNM3VzVmwtVXdRSHpTbHQzRk9tV0RCVmFYbVE4RDh2SDZVdnhmcXk3NWlwZmVBUHZiOTlVbFlOVllwVzRmZldzV2dXMUY4a2V4elQ3UXJwUU9xUGdqNjlub1U3ZEhvaE9aT2xnaDByZjNPLVpzdWlLUmtUSE5LUG9UM3pxMA?oc=5) · legacy.com
- 2023-07-18 [Jim Prather’s final show - journalnd.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOM0I3THQxSGhyM3RkZDN0MW82TGEwR0lzM0pqc0VtUmstU1p4enpkX1RQOHFPd08weXRXZ1dnbWgwbU84VEY5QmN1TlE1eFR0Um8yekt2MGJ2OU5wM20tSnpzSFlrYmtDdGNwVzNPMWVYcVZkUjZCOG9IWVZDM1NBQw?oc=5) · journalnd.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17280 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "17280", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide