| Metric | The Bank of Tioga | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +4.4% | -8.4 pts |
| Deposit growth (YoY) | -4.4% | +4.0% | -8.3 pts |
| Loan growth (YoY) | +18.2% | +5.6% | +12.6 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 83.1% | 11.9% | +71.2 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $412.1M | $396.6M | $134.9M | $8.6M | $2.7M | 1.32% | 2.45% | 0.44% |
| Q1 2026 | $413.0M | $396.9M | $121.7M | $7.1M | $2.6M | 2.62% | 2.40% | 0.38% |
| Q4 2025 | $394.4M | $386.8M | $117.7M | $3.8M | $2.6M | 0.61% | 2.38% | 0.09% |
| Q3 2025 | $415.4M | $408.8M | $124.3M | $2.8M | $2.2M | 0.69% | 2.36% | 0.45% |
| Q2 2025 | $429.2M | $414.7M | $114.2M | $-438K | $508K | 0.24% | 2.30% | 0.27% |
| Q1 2025 | $434.2M | $430.3M | $102.9M | $-20K | $615K | 0.57% | 2.32% | 0.37% |
| Q4 2024 | $432.4M | $427.3M | $106.5M | $391K | $4.7M | 1.13% | 2.30% | 0.25% |
| Q3 2024 | $429.6M | $426.6M | $110.2M | $-1.7M | $4.2M | 1.38% | 2.28% | 0.25% |
Loan mix (Q2 2026): real estate $75.8M · commercial $24.7M · consumer $3.7M · securities $222.4M
| Ratio | The Bank of Tioga | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 83.1% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 62.9% | 11th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Bank of Tioga | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Bank of Tioga | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Bank of Tioga | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Bank of Tioga | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Bank of Tioga | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025) · $396.6M branch deposits. Biggest market: Williams, ND, ranked 4th with 14.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Williams, ND | 1 | $334.2M | 14.13% | 4th |
| Divide, ND | 1 | $62.5M | 30.19% | 2nd |
North Dakota: 29th with 0.82% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend up 100% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).