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TDB Tioga State Bank

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TDB Tioga State Bank Rates & Review April 2026

Q: How many branches does TDB Tioga State Bank operate?

TDB Tioga State Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, TDB Tioga State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TDB Tioga State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 25, 2026

You can compare TDB Tioga State Bank rates to other rates in our database, including 12-month CD rates currently at 3.65%, 6-month CD rates at 3.60% and 3-month CD rates at 3.80%. Savings rates are at 0.10% and money market rates are at 1.26%. Mortgage rates on 30-year fixed loans are around 5.96%. All these rates can be compared to TDB Tioga State Bank rates. MonitorBankRates evaluates the financial stability of TDB Tioga State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.16%. Rates were last updated on 04/25/2026.

TDB Tioga State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at TDB Tioga State Bank? Share your experience about TDB Tioga State Bank by leaving a review below, or read customer reviews before you decide to use TDB Tioga State Bank.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.16%

Excellent Higher than avg

TDB Tioga State Bank

1 N Main St
Spencer, NY 14883

https://www.tiogabank.com

Current Rate Availability

We do not have TDB Tioga State Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for TDB Tioga State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather TDB Tioga State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with TDB Tioga State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name TDB Tioga State Bank

Bank Holding Company TSB SERVICES INC

Address 1 N Main St, Spencer, NY 14883 · Tioga

Website https://www.tiogabank.com

FDIC Certificate # 9410

Established 03/24/1884

FDIC Insurance Date 01/01/1934

Domestic Offices 12

Total Branches 12

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.16%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9735%

Return on Equity (ROE) 9.6000%

Non-Performing Loans (NPL) 0.55%

Total Assets $608,515,000

Total Deposits $523,810,000

Equity Capital $63,652,000

Net Income $5,720,000

Headquarters Spencer

Total Offices 12

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for TDB Tioga State Bank yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for TDB Tioga State Bank

Frequently Asked Questions About TDB Tioga State Bank

Is TDB Tioga State Bank a safe place to deposit money?

Yes, TDB Tioga State Bank is considered a safe financial institution. With a Texas Ratio of 6.1633563773364%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does TDB Tioga State Bank operate?

TDB Tioga State Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, TDB Tioga State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, TDB Tioga State Bank provides members with tools to manage their accounts and build a solid financial history.

Does TDB Tioga State Bank offer online and mobile banking?

Most modern institutions like TDB Tioga State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tiogabank.com.