The Bank of Tioga
7 N Main St, Tioga, ND 58852
Financial Overview
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