Tioga State Bank
Headquarters: Spencer, New York
Overview
Tioga State Bank is an FDIC-insured bank headquartered in Spencer, New York. It reported $625.19M in assets and $538.09M in deposits for the period ending June 30, 2026. Bankular currently lists 10 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
March 31, 2026 to June 30, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Tioga State Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of Tioga State Bank
Candor Branch
73 Main St, Candor, New York, 13743
Full-service branch · Opened June 30, 1961
Conklin Avenue Office
191 Conklin Ave, Binghamton, New York, 13903
Full-service branch · Opened December 1, 2004
Endwell Office
510 Hooper Rd, Endwell, New York, 13760
Full-service branch · Opened June 1, 2004
Johnson City Office
716 Harry L Drive, Johnson City, New York, 13790
Full-service branch · Opened August 26, 2024
Main Office
1 N Main St, Spencer, New York, 14883
Full-service branch · Opened March 24, 1884
Newfield Branch
183 Main St, Newfield, New York, 14867
Full-service branch · Opened December 27, 1973
Financial overview
Latest reported figures
Through June 30, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| June 30, 2026 | $625.19M | $538.09M | $386.90M | 1.31% |
| March 31, 2026 | $639.67M | $554.95M | $375.89M | 1.29% |
| December 31, 2025 | $608.52M | $523.81M | $375.93M | 0.98% |
| September 30, 2025 | $589.22M | $513.25M | $374.39M | 0.89% |
| June 30, 2025 | $574.78M | $503.27M | $365.78M | 0.73% |
| March 31, 2025 | $578.95M | $508.63M | $367.02M | 0.68% |
| December 31, 2024 | $558.09M | $466.07M | $368.65M | 0.89% |
| September 30, 2024 | $584.19M | $499.08M | $369.27M | 0.90% |
Size and reach
How this institution compares
Explore the institution
More on Tioga State Bank
Use the available Bankular sections to move from institution identity to products, locations, market context and source verification.
Branch locations
10 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in New York.
Explore →Spencer banking market
See local branches, competitors and market concentration.
Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Tioga State Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 9410.
Where is Tioga State Bank headquartered?
Tioga State Bank is headquartered in Spencer, New York, at 1 N Main St, Spencer, New York, 14883.
How large is Tioga State Bank?
It reported $625.19M in assets and $538.09M in deposits for the period ending June 30, 2026.
How many locations does Tioga State Bank have?
Bankular currently lists 10 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.