Total Assets
$394M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The Bank of Tioga — FDIC Bank Health Profile
Tioga, North Dakota · Est. 1952. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #17280 Kansas City Region
C
Health grade
Fair
Score: 62/100
Basel III capital ratios — The Bank of Tioga
Total Deposits
$387M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
15.27% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
15.27%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$4M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.62%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
199.49%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
60.80%
Income & Expense Breakdown
$19M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
FDIC Deposit Insurance
The Bank of Tioga is FDIC-insured (Certificate #17280). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The Bank of Tioga
The Bank of Tioga is an FDIC-insured institution (Certificate #17280) headquartered in Tioga, North Dakota, established in 1952. The bank currently holds $394M in total assets and $387M in customer deposits, with $118M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The Bank of Tioga reports a Tier 1 Capital Ratio of 15.27% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $4M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.62% and a Return on Equity of 199.49%, with an Efficiency Ratio of 60.80% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (62/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The Bank of Tioga is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in North Dakota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The Bank of Tioga (FDIC Cert #17280) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell Bank Fargo | $14.4B | D | 0.59% |
| First International Bank & Trust Watford City | $6.2B | C | 1.69% |
| Choice Financial Group Fargo | $6.0B | F | 1.22% |
| Alerus Financial, National Association Grand Forks | $5.2B | D | 0.42% |
| Gate City Bank Fargo | $4.0B | F | 0.60% |
| Bravera Bank Dickinson | $3.8B | C | 1.12% |
| Western State Bank Devils Lake | $2.6B | B | 1.79% |
| First Western Bank & Trust Minot | $2.3B | F | 0.84% |
Frequently Asked Questions
What is The Bank of Tioga's health grade? ▼
The Bank of Tioga receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Bank of Tioga? ▼
The Bank of Tioga holds $394M in total assets and $387M in deposits. It is headquartered in Tioga, North Dakota.
Is my money safe at The Bank of Tioga? ▼
Yes. The Bank of Tioga is FDIC-insured (Certificate #17280). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The Bank of Tioga's Tier 1 Capital Ratio? ▼
The Bank of Tioga has a Tier 1 Capital Ratio of 15.27%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The Bank of Tioga? ▼
The Bank of Tioga has an Efficiency Ratio of 60.80%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.