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The Bank Of Tioga
Tioga, ND · FDIC Certificate #17280 · Chartered 07/1
Total assets
$412.07M
Total deposits
$396.61M
Total equity
$8.58M
Net loans
$134.91M
Branches (offices)
2
Net income (YTD)
$2.69M
Rank: #2,030 of 4,213 U.S. banks by assets · #25 of 60 in North Dakota. Assets changed -4.0% and deposits -4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 83.08% |
| Net interest margin (YTD) | 2.45% |
| Equity to assets | 2.08% |
| Tier 1 leverage ratio | 9.39% |
| Uninsured deposits (share of deposits) | 28.3% |
| Noncurrent loans (share of loans) | 1.15% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 34.0% |
| Real estate loans (share of loans) | 56.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $75.84M | 56.2% | |
| Commercial & industrial | $24.74M | 18.3% | |
| Consumer / individual | $3.71M | 2.7% | |
| Construction & development | $539.00K | 0.4% | |
| Agricultural | $29.50M | 21.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $321.12M | $308.64M | $2.29M | $5.74M |
| Jun 2023 | $335.50M | $323.90M | -$1.88M | -$8.45M |
| Jun 2024 | $403.90M | $400.97M | $3.69M | -$1.22M |
| Jun 2025 | $429.21M | $414.68M | $508.00K | -$438.00K |
| Jun 2026 | $412.07M | $396.61M | $2.69M | $8.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $396.61M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $396.61M.
Similar-sized banks
Little Horn State Bank ($412.56M) · Village Bank ($411.87M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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