Listed locations
9
Institution profile
Tioga State Bank National Association
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Tioga State Bank National Association
- Display name
- Tioga State Bank National Association
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- March 24, 1884
- Charter class
- National bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Spencer, NY, 14883, United States
- Website
- https://www.tiogabank.com
- FDIC certificate number
- 9410
- Federal Reserve RSSD ID
- 910118
- OCC charter number
- 25239
- Domestic location count
- 11
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- National Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 9410
- Federal Reserve RSSD ID
- 910118
- Headquarters
- 1 North Main Street, Spencer, NY, 14883, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 9 of 9 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CONKLIN AVENUE OFFICE BRANCH | 191 Conklin Avenue | Binghamton | NY | 13903 |
| UPPER FRONT STREET OFFICE BRANCH | 1430 Upper Front Street | Binghamton | NY | 13901 |
| CANDOR BRANCH | 73 Main Street | Candor | NY | 13743 |
| ENDWELL OFFICE BRANCH | 510 Hooper Road | Endwell | NY | 13760 |
| JOHNSON CITY OFFICE | 716 Harry L Drive | Johnson City | NY | 13790 |
| NEWFIELD OFFICE | 183 Main Street, One Memorial Park Plaza | Newfield | NY | 14867 |
| OWEGO FIFTH AVENUE BRANCH | 923 State Route 17C, P & C Shopping Plaza | Owego | NY | 13827 |
| VESTAL BRANCH | 1250 Vestal Parkway East | Vestal | NY | 13850 |
| WAVERLY OFFICE | 436 Cayuta Avenue | Waverly | NY | 14892 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- August 13, 2018
- Regulator
- Federal Reserve
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| August 13, 2018 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| May 4, 2015 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| March 5, 2012 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| March 15, 2010 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| March 10, 2008 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| February 27, 2006 | Satisfactory | Federal Reserve | Intermediate Small Bank |
| February 25, 2002 | Satisfactory | Federal Reserve | Small Bank |
| February 23, 1998 | Satisfactory | Federal Reserve | Small Bank |
| March 11, 1996 | Satisfactory | Federal Reserve | Small Bank |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| July 3, 1961 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST NATIONAL BANK |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
1 FFIEC NIC relationship record
Showing 1 of 1 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | TIOGA STATE BANK, N.A. | National Bank | Spencer, NY |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured national bank