Featured Savings Rates
Featured Accounts

Tioga State Bank

Popular Accounts at this Bank

1.50%Reward CheckingRewards Checking
1.31%5-year CDLadder CD 60 Month
0.20%1-year CD12 Month CD

Overview / Commentary
1 Main Street
Spencer, NY 14883

Tioga State Bank is headquartered in Spencer and is the 79th largest bank in the state of New York. It is also the 1,498th largest bank in the nation. It was established in 1884 and as of June of 2017, it had grown to 100 employees at 11 locations. Tioga State Bank has an A health rating.

Related Posts

View all posts from:

Reviews (2)

For A Small Bank Customer Service Suffers As Does Convenience

Posted by: latazza108 | Feb 2, 2013

I've been with this 'small' bank for YEARS, but recent customer service flubs is going to make me switch to Scottrade Bank where I have a brokerage account. At least at Scottrade I can talk to people easier after 4pm, etc. Tioga State Bank recent flubs, IMO? 1) Posting a check to my account from Aug. 2012 when the check states VOID AFTER 90 DAYS, the date posted was Jan. 25, 2013. Well after 90 days. 2) Deposit funds deposited LATE due to the MY branch office has a PO BOX and "HAS to WAIT UNTIL SOMEONE IS AVAILABLE TO GO PICK UP MAIL". That's the answer i rec'd when I inquired why my deposit was not posted yet. This was at 3:45PM! MAIL WAS STILL NOT picked up! Hard to believe that way of doing business in 2013, IMO. The result was a $30 fee from the bank becos the same day a bill was posted. Either one of the items mentioned above could have warranted customer service contact. Seems a good way to charge extra fees. This happened on the same day. Customer mail does not seem to be important to Tioga. I could list other things also, but... I gave 2 stars instead of 1 becos I assume the employees mean well but are bound by this banks procedures. And the bank never finds fault with themselves. I did contact customer service and management. Answers are "It's another bank's fault and the customer's fault." This is why I've moved the bulk of my $ to my brokerage account and will look to close Tioga Bank account and move the remaining $ elsewhere.

Cant Make Deposits By Atm

Posted by: Storms | Jun 10, 2013

Two days after opening my account I found out that I couldn't make deposits to this bank via arms... I also discovered that I couldn't do a joint account with my 12 year. Decided to move my money elsewhere and the want $25.00 plus change. When I found this out I told them to stop. As I was walking out the door, the main branch manager instructed the worker to close the account and mail the check.. extremely rude...which is a shame because I was hoping to bank locally. Beware. They are a bank just looking to charge fees any way they can.


Health Grade Components

FDIC Certificate #9410
Year Established1884
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD7.78%
Annual Interest Income$9.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$472.7MM$452.3MM
LoansQ2 2017vs Q2 2016$282.9MM$278.2MM
DepositsQ2 2017vs Q2 2016$380.2MM$356.4MM
Equity CapitalQ2 2017vs Q2 2016$55.0MM$53.3MM
Loan Loss AllowanceQ2 2017vs Q2 2016$4.4MM$4.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.8MM$1.1MM
Real Estate OwnedQ2 2017vs Q2 2016$378.00K$368.00K
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Tioga State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Tioga State Bank Money Market Rates

0.25%*$250k*-High Yield Money Market Investment
OTHER TIERS: 0.10% $25k - $100k | 0.12% $100k - $250k

Tioga State Bank Checking Account Rates

1.50%*-$15kRewards Checking
OTHER TIERS: 0.20% $15k+

Tioga State Bank CD Rates

1.31%$5k-Ladder CD 60 Month
1.00%$5k-Ladder CD 48 to 60 Month
0.80%$5k-Ladder CD 36 to 48 Month
0.60%$5k-Ladder CD 24 to 36 Month
0.40%$5k-Ladder CD 12 to 24 Month
0.20%$1k-12 Month CD

Tioga State Bank IRA Rates

1.31%$5k-Ladder IRA 60 Month
1.00%$5k-Ladder IRA 48 to 60 Month
0.80%$5k-Ladder IRA 36 to 48 Month
0.60%$5k-Ladder IRA 24 to 36 Month
0.40%$5k-Ladder IRA 12 to 24 Month
0.20%$1k-12 Month IRA