# TIOGA STB NA
SPENCER, NY · FDIC certificate 9410 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $625.2M | |
| Deposits | $538.1M | |
| Loans and leases | $393.3M | |
| Total equity | $66.4M | |
| Loans / deposits | 71.90% (p29 of band) | 82.04% |
| Liquid assets / assets | 31.53% (p68 of band) | |
| Uninsured deposits / deposits | 22.38% (p37 of band) | 25.97% |
| Brokered deposits | 0.80% | |
| Wholesale funding | 3.12% (p48 of band) | |
| FHLB advances / assets | 2.32% | |
| Tier 1 leverage | 11.38% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -11.61% (p39 of band) | -8.10% |
| AOCI / equity | -1.94% (p8 of band) | |
| ROA (annualized) | 1.31% (p52 of band) | 1.28% |
| Net interest margin | 4.32% (p74 of band) | 3.91% |
| Efficiency ratio | 66.63% (p66 of band) | |
| Noncurrent loans | 1.00% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 163.21% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 18.13% (p23 of band) | |
| Auto loans | $961,000 (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 103 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | charge-offs p90 | capital falling |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9410 (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/2.json (key "9410", 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