FDIC Cert #17280 · Tioga, North Dakota · Est. 1952

The Bank of Tioga - FDIC Bank Health Profile

A community-scale look at The Bank of Tioga's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$394M
Total assets
A
Health grade · Excellent
0.61%
Return on assets
15.3%
Tier 1 capital

Data updated July 2026

The verdict

The Bank of Tioga earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.26% Tier 1, 0.61% ROA, 61% efficiency ratio.

#2,100
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
15.26%
Tier 1 ratio - above the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 17280 · ND A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1776/4307
  • PHOTO-FINISH City National Bank · CA
  • TIER1-WELL 15.3% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.61% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: City National Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Bank of Tioga

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Albany Bank and Trus… · IL ·…82/100City National Bank · CA · ne…82/100Community Bank & Tru… · TX ·…82/100Dairy State Bank · WI · near82/100The Bank of Tioga · ND · thi…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Bank of Tioga · July 2026

Plate reading for The Bank of Tioga where failures stay rare

The Bank of Tioga (FDIC Cert #17280) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,776 of 4,307. Tier 1 capital prints at 15.26%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.61%. Balance-sheet scale is $394M, 2,100th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is City National Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Bank of Tioga

Zero FAILURE resolutions in North Dakota since 2000

The Bank of Tioga is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How The Bank of Tioga's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
The Bank of Tioga's composite health score
Tier 1 Capital Ratio (15.26%) 40/40
Return on Assets (ROA) (0.61%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (60.80%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$394M

Total balance-sheet footings

Total Deposits

$387M

Customer-funded liabilities

Net Loans

$118M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.86% 15.26% 16.66%
Basel III capital ratios - The Bank of Tioga

Where The Bank of Tioga ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Tioga's score of 82/100 falls in the highlighted band.

The Bank of Tioga: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 41% higher than 59% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Bank of Tioga 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Bank of Tioga's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bank of Tioga's $394M falls in the highlighted band.

Safety metrics: The Bank of Tioga

Tier 1 capital ratio
Well-capitalized 10%

15.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.26%
Texas Ratio
0.00%
Equity Capital
$4M

What these ratios mean →

Profitability metrics: The Bank of Tioga

Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
198.71%
Efficiency Ratio
60.80%

What these mean →

Income & expense at The Bank of Tioga

$19M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Tioga reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Bank of Tioga on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($394M here), outside North Dakota so the neighborhood is not state containment.

Security State Bank of Oklahoma $395M · OK The Peoples Community Bank $394M · WI The Garrett State Bank $394M · IN TCM Bank $395M · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Tioga (FDIC Cert #17280) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

The Bank of Tioga Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%