# TIOGA-FRANKLIN SAVINGS BANK
PHILADELPHIA, PA · FDIC certificate 33802 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $68.4M | |
| Deposits | $66.6M | |
| Loans and leases | $56.9M | |
| Total equity | $1.4M | |
| Loans / deposits | 84.36% (p69 of band) | 73.59% |
| Liquid assets / assets | 14.13% (p10 of band) | |
| Uninsured deposits / deposits | 6.43% (p6 of band) | 19.81% |
| Brokered deposits | 1.09% | |
| Wholesale funding | 1.09% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.06% (p0 of band) | 11.76% |
| Unrealized securities loss / equity | -23.34% (p19 of band) | -6.57% |
| AOCI / equity | -4.72% (p2 of band) | |
| ROA (annualized) | -3.35% (p2 of band) | 1.17% |
| Net interest margin | 2.95% (p11 of band) | 3.93% |
| Efficiency ratio | 188.70% (p99 of band) | |
| Noncurrent loans | 9.23% (p99 of band) | 0.36% |
| Net charge-offs (annualized) | 0.77% (p99 of band) | |
| Reserve coverage of noncurrent | 13.68% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 96.13% (p93 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 2 | capital falling | charge-offs p90 |
| 2011-12 | 0 |  | reserve under noncurrent, capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | noncurrent p90 |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | charge-offs p90 |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 7 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 6 | loans exceed deposits | reserve under noncurrent, noncurrent p90 |
| 2016-03 | 4 |  | charge-offs p90, deposits shrinking |
| 2016-06 | 3 |  | uninsured deposits leaving |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | reserve under noncurrent |  |
| 2017-09 | 4 |  | reserve under noncurrent |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 4 | losing money |  |
| 2018-06 | 1 |  | brokered >10%, wholesale funding >15%, losing money |
| 2018-09 | 2 | wholesale funding >15% |  |
| 2018-12 | 5 | brokered >10%, liquid assets <10%, uninsured deposits leaving |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 6 | capital falling, losing money, expense ratio p90 | liquid assets <10%, uninsured deposits leaving |
| 2019-09 | 5 |  | losing money |
| 2019-12 | 4 |  | capital falling |
| 2020-03 | 4 | liquid assets <10% | expense ratio p90 |
| 2020-06 | 4 | capital falling, losing money | brokered >10%, liquid assets <10% |
| 2020-09 | 4 | liquid assets <10% | losing money |
| 2020-12 | 2 |  | capital falling, liquid assets <10% |
| 2021-03 | 5 | liquid assets <10%, noncurrent p90, reserve under noncurrent |  |
| 2021-06 | 5 | assets shrinking | liquid assets <10% |
| 2021-09 | 6 | uninsured deposits leaving |  |
| 2021-12 | 3 |  | wholesale funding >15%, noncurrent p90, reserve under noncurrent |
| 2022-03 | 3 | deposits shrinking | loans exceed deposits |
| 2022-06 | 2 | charge-offs p90 | uninsured deposits leaving, deposits shrinking |
| 2022-09 | 5 | loans exceed deposits, capital falling, noncurrent p90, reserve under noncurrent | assets shrinking |
| 2022-12 | 6 | liquid assets <10%, expense ratio p90 | charge-offs p90 |
| 2023-03 | 6 |  |  |
| 2023-06 | 8 | wholesale funding >15%, losing money |  |
| 2023-09 | 8 | uninsured deposits leaving | liquid assets <10% |
| 2023-12 | 8 |  |  |
| 2024-03 | 6 |  | loans exceed deposits, wholesale funding >15% |
| 2024-06 | 7 | leverage <7% |  |
| 2024-09 | 6 |  | uninsured deposits leaving |
| 2024-12 | 6 |  |  |
| 2025-03 | 9 | leverage <5%, assets shrinking |  |
| 2025-06 | 9 |  |  |
| 2025-09 | 7 |  | capital falling, assets shrinking |
| 2025-12 | 7 |  |  |
| 2026-03 | 9 | capital falling, charge-offs p90 |  |
| 2026-06 | 9 |  |  |

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

- 2026-09-02 [Failed Bank Information for Tioga-Franklin Savings Bank, Philadelphia, PA - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMihgFBVV95cUxPcnR4SlZ4amNzM1NIbDhZNVhFcmtIY0w3dk84bFFvWkE1VVc4M1VuYWUyY0lBWkZGZEZmaWtRSXVXeFlPenBTYXUyYm9DemowSnNhMlZPUW5scVZnN0lZdEMwdUE5R09YdkpBTmNFNlBlZlJnUnRuamt6VkJFV3ZrRkFuWXJiZw?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-08-24 [Philly lender becomes fifth bank to fail in 2026 - Banking Dive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOc1p6akUwRUs5aUUzV3hROEpPMV95elBEdXIwSkpVSDYtMEE2SU9FVUt5Z01jNDJsWUdtTGNyMGpXRVZtSnhHYjNhUWJBcFd1R0dzZG5ENE1wVFFLMjhseXo2Z24ybHpjX2dEc3FjLW1yQnVTMzVBZ192RHMtNHhYX2RMbTZYTFU4RlQyTnJ4Wl85S3kxR29YRENFOXBZaWVmTFlDUTB3RHBCN1E?oc=5) · Banking Dive
- 2026-08-21 [Second Federal Savings and Loan Association of Philadelphia Assumes All Deposits of Tioga-Franklin Savings Bank, Philadelphia - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMitAFBVV95cUxOTHRQc19hMVd2b3F5ZE1RcjZKbUNGamFWQjRZN0lCUnRfUjhJREhtYXFJQVBXY0ZLNzM3cXJkeldqaS1ySmlFbHdpSi1yMG93cGlKa3hrbk1HUXF1XzltQUpzLS1rT0hJc0dtSml3b0VVU3ItUVdjdEhzN1NzNEVKV043c2VrVDRXZTBxZ3B1U3o1QzVXOUZRTUthekMzcVg3am1QLVZUNVVUYlVPeTA0UHJKZWs?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-08-31 [102-year-old Philadelphia bank accelerates growth with deal for failed lender - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOcWxFclM2MmtXYXpvbHVpc2JBWXB3T3hBUmFmZTVSWnRBQVV0OUJtVzBWZS1YTnhvWlBRc2V4NTdXSEdzTDhJQ29EeHYyODdreGoxekQ4cFFDVllqQ1FDZ05CSW9TR0VHQzUtc0NEMnAtMTFTY2EwYkFvVGlZVkdQYTEyaks2Y041c3gwV0VrOU5xaVZxc2gxSzdlM253cWhHNDZn?oc=5) · The Business Journals
- 2026-08-21 [Fifth bank fails in 2026 as drip of small-bank closures continues - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOcU5RNlNnYUlOSmwyemxmWlFzNTJmNXYwcktYNC1sUDBMNjdKZ2xTNmJFcVRDZHY4T3VNdkZ3eXFaX0tJYmZETThIdjJHV0kxd21EaGVjbG9CYlJSdWNwdUxuR3JTOGVyQ0owSlVCYmxFTzJUVnpYMmVqMDU0MHBOLU5HNWNqZ0pFSWs3bzFuQ0VoRnc3dDBXTW81cUQzcENzWldN?oc=5) · American Banker
- 2026-08-31 [When Your Bank Fails: A Practical Guide for Financial Services Businesses - The National Law Review](https://news.google.com/rss/articles/CBMioAFBVV95cUxQeUN1Z1pvR1YtakRTR1NPTVg4OGRFVENjZXE3U1F2c0M3dV9FM0ZoNGJ0NWtjNlpRdWQzQ0pGMkdQQVdtLTlrSEgzbjNxazJxVkJFblBtRWlBSEE2ckFLOEJZM3F3Y29qMmF2azN6c29BZzBEZHBxRGVqZEYtVzNaX0U5Y2FaMWlmU2VmdTVpVXlQN1NSTThUR1hHS0kzQ2Jh0gGmAUFVX3lxTE5OWGJmRVM1SGRrd2pUVGxGQS04bUxzM1hzS0tvSnJBV1UwN2xkXzR1T0lKczZhSFZaaHFNcUUxbDMxeDlVdGI3N0hIYTFORUNnZ3NkWm5lUkZtdlJCclZsUjZUT1dOeUNIdVFOSWk2THgySkM0NTFRVlpxa2hpd0xKdGpQajB5Ym9ZMzdHenUxZEYtRWo0TXBSblVUbE8ycUhiSjh4N3c?oc=5) · The National Law Review
- 2024-09-20 [NFL, Tioga-Franklin Savings Bank team up to expand league's partnership with minority-owned banks - 6abc Philadelphia](https://news.google.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?oc=5) · 6abc Philadelphia
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33802 (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/10.json (key "33802", 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