The Bank of Tioga

Chartered Bank Active FDIC Insured
Health Score
6.7 / 10

7 N Main St, Tioga, ND 58852

Financial Overview

Total Assets $413.0M
Total Deposits $396.9M
Profitability (ROA) 2.62%
Shareholder Return (ROE) 194.71%
Capital Cushion (Eq/Assets) 1.72%
Established 07/16/1952

Financial Health Analysis

The Bank of Tioga is a currently active agricultural specialization banking institution headquartered in Tioga, North Dakota. Established in 07/16/1952, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, The Bank of Tioga manages $413.0M in total assets and holds $396.9M in customer deposits. When evaluating the stability of The Bank of Tioga, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 1.72%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 2.62%, while its Return on Equity (ROE) sits at 194.71%. These metrics result in a moderate health score of 6.7 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$198.5M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.thebankoftioga.com

FDIC Certificate #: 17280

Specialization: Agricultural Specialization

Location

7 N Main St

Tioga, North Dakota 58852

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