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Acquisition dossier · FDIC #33802

Tioga-Franklin Savings Bank

Philadelphia, PA · Philadelphia County · FDIC

$69M assets1 officesIndependent institution6/6 core metrics available
Acquisition score94Signal: Earnings pressure

Where this bank sits among peers

734 same-period banks with 0.5× to 2× this bank’s assets. Selected bank excluded.

View metric table ↓
Return on assets732 reported
064128Up to -0.43%: 48 banks-0.43% -0.13%: 19 banks-0.13% 0.18%: 33 banks0.18% 0.49%: 65 banks0.49% 0.79%: 115 banks0.79% 1.1%: 122 banks1.1% 1.4%: 128 banks1.4% 1.71%: 77 banks1.71% 2.01%: 54 banksFrom 2.01%: 71 banks≤-0.74%≥2.32%
Median 1.02%Selected bank -1.16% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< -0.43%48
-0.43% to < -0.13%19
-0.13% to < 0.18%33
0.18% to < 0.49%65
0.49% to < 0.79%115
0.79% to < 1.1%122
1.1% to < 1.4%128
1.4% to < 1.71%77
1.71% to < 2.01%54
≥ 2.01%71

Full range: -12.76% to 19.97%. 2 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 4 / 100. Larger values are not necessarily better.

Net interest margin734 reported
056111Up to 2.82%: 73 banks2.82% 3.11%: 54 banks3.11% 3.4%: 77 banks3.4% 3.69%: 111 banks3.69% 3.98%: 111 banks3.98% 4.27%: 79 banks4.27% 4.56%: 78 banks4.56% 4.86%: 53 banks4.86% 5.15%: 45 banksFrom 5.15%: 53 banks≤2.53%≥5.44%
Median 3.82%Selected bank 3.3%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 2.82%73
2.82% to < 3.11%54
3.11% to < 3.4%77
3.4% to < 3.69%111
3.69% to < 3.98%111
3.98% to < 4.27%79
4.27% to < 4.56%78
4.56% to < 4.86%53
4.86% to < 5.15%45
≥ 5.15%53

Full range: -0.95% to 7.75%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 24 / 100. Larger values are not necessarily better.

Efficiency ratio734 reported
063126Up to 49.92%: 80 banks49.92% 57.08%: 88 banks57.08% 64.24%: 121 banks64.24% 71.39%: 126 banks71.39% 78.55%: 97 banks78.55% 85.71%: 83 banks85.71% 92.86%: 52 banks92.86% 100.02%: 25 banks100.02% 107.18%: 16 banksFrom 107.18%: 46 banks≤42.77%≥114.34%
Median 68.55%Selected bank 161.9% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 49.92%80
49.92% to < 57.08%88
57.08% to < 64.24%121
64.24% to < 71.39%126
71.39% to < 78.55%97
78.55% to < 85.71%83
85.71% to < 92.86%52
92.86% to < 100.02%25
100.02% to < 107.18%16
≥ 107.18%46

Full range: 0% to 449.8%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 99 / 100. Larger values are not necessarily better.

Equity to assets734 reported
078155Up to 8.24%: 114 banks8.24% 10.12%: 155 banks10.12% 12%: 139 banks12% 13.87%: 111 banks13.87% 15.75%: 76 banks15.75% 17.63%: 44 banks17.63% 19.51%: 22 banks19.51% 21.38%: 18 banks21.38% 23.26%: 8 banksFrom 23.26%: 47 banks≤6.36%≥25.14%
Median 11.45%Selected bank 3.4% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 8.24%114
8.24% to < 10.12%155
10.12% to < 12%139
12% to < 13.87%111
13.87% to < 15.75%76
15.75% to < 17.63%44
17.63% to < 19.51%22
19.51% to < 21.38%18
21.38% to < 23.26%8
≥ 23.26%47

Full range: 1.5% to 99.1%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 1 / 100. Larger values are not necessarily better.

Uninsured deposits734 reported
064128Up to 8.98%: 107 banks8.98% 12.69%: 116 banks12.69% 16.4%: 128 banks16.4% 20.11%: 120 banks20.11% 23.82%: 77 banks23.82% 27.53%: 57 banks27.53% 31.24%: 38 banks31.24% 34.95%: 31 banks34.95% 38.66%: 13 banksFrom 38.66%: 47 banks≤5.27%≥42.38%
Median 16.7%Selected bank 5.4%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 8.98%107
8.98% to < 12.69%116
12.69% to < 16.4%128
16.4% to < 20.11%120
20.11% to < 23.82%77
23.82% to < 27.53%57
27.53% to < 31.24%38
31.24% to < 34.95%31
34.95% to < 38.66%13
≥ 38.66%47

Full range: 0.4% to 97.5%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 6 / 100. Larger values are not necessarily better.

Noncurrent loans734 reported
0195389Up to 0.44%: 389 banks0.44% 0.88%: 85 banks0.88% 1.32%: 70 banks1.32% 1.76%: 44 banks1.76% 2.2%: 34 banks2.2% 2.64%: 24 banks2.64% 3.08%: 16 banks3.08% 3.52%: 17 banks3.52% 3.96%: 12 banksFrom 3.96%: 43 banks≤0%≥4.4%
Median 0.38%Selected bank 7.33% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.44%389
0.44% to < 0.88%85
0.88% to < 1.32%70
1.32% to < 1.76%44
1.76% to < 2.2%34
2.2% to < 2.64%24
2.64% to < 3.08%16
3.08% to < 3.52%17
3.52% to < 3.96%12
≥ 3.96%43

Full range: 0% to 21.44%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 98 / 100. Larger values are not necessarily better.

Custom asset cohort, not official UBPR peers. At least five reported observations required per metric.

Reported facts, not a recommendation

Operating evidence

6 / 6 available
Same-period comparisons. Changes in basis points; 100 bp = 1 percentage point.
MetricReportedQoQYoYPeer medianValue percentileValid peers
Earnings-1.16%+147 bp+127 bp1.02%4 / 100732
Earnings3.30%+27 bp+41 bp3.82%24 / 100734
Earnings161.90%N/AN/A68.55%99 / 100734
Capital3.40%-30 bp-250 bp11.45%1 / 100734
Franchise5.40%N/AN/A16.70%6 / 100734
Credit7.33%N/AN/A0.38%98 / 100734
Peer definition, reporting period and interpretation

Custom asset cohort: active banks with 0.5× to 2× this bank’s assets in the same reporting period, excluding this bank. The cohort has 734 institutions. Each metric excludes missing values; fewer than five valid peers suppresses the median and percentile. This is not an official UBPR peer group.

A higher percentile means a larger value, not a better bank. Ties use midrank. Equity/assets is not a regulatory capital ratio. ROA and margin retain the provider’s reported definitions; quarter changes compare reported ratios, not standalone quarterly earnings.

Financial period: 2026-03-31. Missing periods remain N/A. Source: Call Report financials via FDIC.

Questions to take into diligence
  • Return on assets: Separate recurring earnings from one-off items before setting a valuation.
  • Net interest margin: Review deposit repricing and asset yields to test earnings durability.
  • Efficiency ratio: Validate achievable cost savings and the integration expense required.
  • Equity to assets: Test closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.
  • Uninsured deposits: Review depositor concentration, retention and liquidity under runoff assumptions.
  • Noncurrent loans: Inspect loan-level losses, reserves and collateral before accepting a credit mark.
Diligence considerations

Factors to review

1

Uninsured depositsReview depositor concentration, retention and liquidity under runoff assumptions.

Diligence priorities

1

Efficiency ratioValidate achievable cost savings and the integration expense required.

2

Equity to assetsTest closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.

3

Noncurrent loansInspect loan-level losses, reserves and collateral before accepting a credit mark.

Franchise footprint

1 reported branch

$60.8M branch deposits
  1. 1
    Tioga-Franklin Savings BankPhiladelphia, PA · Philadelphia
    $60.8MDeposits

Evidence timeline

Structure changes and public-company filings

0 linked records