FDIC Cert #33802 · Philadelphia, Pennsylvania · Est. 1873

Tioga-Franklin Savings Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$70M
Total assets
F
Health grade · At Risk
-2.63%
Return on assets
5.3%
Tier 1 capital

Data updated July 2026

The verdict

Tioga-Franklin Savings Bank earns a PlainBankData health grade of F (0/100), with 5.33% Tier 1 capital, -2.63% ROA, 133% efficiency ratio.

#3,982
largest of 4,313 FDIC banks by assets
8th
percentile by asset size, nationally
5.33%
Tier 1 ratio - below the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 33802 · PA F · 0/100

GRADE-F · BOTTOM-DECILE · CLEAR-GAP · TIER1-UNDER · TEXAS-DANGER · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-F F (0/100)
  • BOTTOM-DECILE #4306/4307
  • CLEAR-GAP Lewis & Clark Bank · OR
  • TIER1-UNDER 5.3% Tier 1
  • TEXAS-DANGER 119.4% Texas
  • ROA-LOSS -2.63% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: Lewis & Clark Bank, OR (±7 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 Tioga-Franklin Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Columbia Savings and… · WI ·…18/100Summit National Bank · WY · …16/100Community Valley Bank · CA ·…14/100Lewis & Clark Bank · OR · ne…7/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Tioga-Franklin Savings Bank · July 2026

Call Report read for Tioga-Franklin Savings Bank in a high-failure state

Tioga-Franklin Savings Bank (FDIC Cert #33802) carries a PlainBankData health grade of F at 0/100, 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 #4,306 of 4,307. Tier 1 capital prints at 5.33%, missing the 10% well-capitalized line. The Texas Ratio is 119.39%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -2.63%. Balance-sheet scale is $70M, 3,982nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Lewis & Clark Bank (OR), ±7 health points away. 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 Tioga-Franklin Savings Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

Tioga-Franklin Savings Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Tioga-Franklin Savings Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

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

How Tioga-Franklin Savings Bank's 0/100 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 avg77/1000/100
Tioga-Franklin Savings Bank's composite health score
Tier 1 Capital Ratio (5.33%) 0/40
Return on Assets (ROA) (-2.63%) 0/25
Texas Ratio (119.39%) 0/20
Efficiency Ratio (132.90%) 0/15

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

Balance sheet at a glance

Total Assets

$70M

Total balance-sheet footings

Total Deposits

$67M

Customer-funded liabilities

Net Loans

$57M

Outstanding loan book

Net Income

$-1,813K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 1% 2% 3% 4% 5% 6% 7% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 3.93% 5.33% 6.73%
Basel III capital ratios - Tioga-Franklin Savings Bank

Where Tioga-Franklin Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Tioga-Franklin Savings Bank's score of 0/100 falls in the highlighted band.

Tioga-Franklin Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

0 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). This entry sits in this band. 10–20: 6 FDIC-insured banks (0%). Above this entry. 20–30: 26 FDIC-insured banks (1%). Above this entry. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Tioga-Franklin Savings Bank 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

Tioga-Franklin Savings Bank'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). Tioga-Franklin Savings Bank's $70M falls in the highlighted band.

Capital & credit buffers at Tioga-Franklin Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

5.33% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
5.33%
Texas Ratio
119.39%
Equity Capital
$3M

What these ratios mean →

Profitability metrics: Tioga-Franklin Savings Bank

Return on Assets (ROA)
1st percentile nationally
-2.63%
Return on Equity (ROE)
-48.69%
Efficiency Ratio
132.90%

What these mean →

Income & expense: loss period at Tioga-Franklin Savings Bank

$4M
Interest Income
$1M
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Tioga-Franklin Savings Bank reports a Texas Ratio of 119.39% - in the danger zone above 100%, where troubled assets exceed the capital cushion.

Texas Ratio
Caution 50%

119.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Tioga-Franklin Savings Bank

Tioga-Franklin Savings Bank's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 119.39% sits in the danger zone above 100%, where troubled assets exceed the capital and reserves available to absorb them. The bank reported negative net income of $-1,813K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 5.33% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Tioga-Franklin Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Tioga-Franklin Savings Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($70M here), outside Pennsylvania so the neighborhood is not state containment.

First Security Bank - West $70M · ND The First National Bank in Marlow $70M · OK Southeast First National Bank $70M · GA Bank of Iberia $70M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Tioga-Franklin Savings Bank (FDIC Cert #33802) - 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.

Tioga-Franklin Savings Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
First National Bank of PennsylvaniaGreenville $50.0B A 1.29%
Fulton Bank, National AssociationLancaster $32.0B A 1.33%
BNY Mellon, National AssociationPittsburgh $31.3B B 0.94%
Customers BankMalvern $24.9B A 1.01%
TriState Capital BankPittsburgh $23.3B A 0.78%
Northwest BankWarren $16.8B B 0.92%
Dollar Bank, Federal Savings BankPittsburgh $12.5B B 0.53%
First Commonwealth BankIndiana $12.3B B 1.33%