Total Assets
$70M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$67M
Customer-funded liabilities
Net Loans
$57M
Outstanding loan book
Net Income
$-1,813K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-2.63%
Return on Equity (ROE)
-48.69%
Efficiency Ratio
132.90%
What the numbers say about Tioga-Franklin Savings Bank
Tioga-Franklin Savings Bank is an FDIC-insured institution (Certificate #33802) headquartered in Philadelphia, Pennsylvania, established in 1873. It holds $70M in total assets - 3,982nd of 4,313 FDIC-insured banks, $67M in customer deposits, and $57M in net loans. Capital-wise, the Tier 1 ratio sits at 5.33%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 119.39%, elevated past the 50% level that draws analyst scrutiny. That combination rolls up into a PlainBankData health grade of F (0 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Tioga-Franklin Savings Bank is a community-scale institution -- 107th of 112 FDIC-insured banks headquartered in Pennsylvania by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Pennsylvania by total assets
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.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Tioga-Franklin Savings Bank's health grade?▼
Tioga-Franklin Savings Bank receives a health grade of F (0/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Tioga-Franklin Savings Bank?▼
Tioga-Franklin Savings Bank holds $70M in total assets and $67M in deposits, ranking 3,982nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Philadelphia, Pennsylvania.
Is my money safe at Tioga-Franklin Savings Bank?▼
Yes, deposits at Tioga-Franklin Savings Bank (Certificate #33802) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Tioga-Franklin Savings Bank's Tier 1 Capital Ratio?▼
Tioga-Franklin Savings Bank has a Tier 1 Capital Ratio of 5.33%. Regulators set the "well-capitalized" bar at 10%, and this bank falls short of even the 6% "adequately capitalized" floor.
What is the Texas Ratio for Tioga-Franklin Savings Bank?▼
Tioga-Franklin Savings Bank has a Texas Ratio of 119.39%. A ratio above 50% suggests elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Tioga-Franklin Savings Bank?▼
Tioga-Franklin Savings Bank has an Efficiency Ratio of 132.90%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Tioga-Franklin Savings Bank's profile as a depositor or analyst.
- Tioga-Franklin Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Tioga-Franklin Savings Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.