In 1864 in Candor, NY, and 1884 in Spencer, NY, local business owners joined together to form independent community banks to provide badly needed banking services to their respective communities.
In 1961, the two banks combined forces to form Tioga State Bank, with headquarters in Spencer, in order to create a strong, independent community bank committed exclusively to the financial needs of families and businesses in Tioga County and surrounding counties.
Currently the only bank headquartered in Tioga County, Tioga State Bank now has 11 community offices with over $390 million in assets. Large enough to meet the lifetime financial needs of customers, the bank is also small enough to build a close relationship with each customer built on trust, personalized professional service, convenient locations, a full range of financial products and services, fast local decision making and exceptional safety and soundness.
Tioga State Bank is a locally owned, independent community Bank with offices located in Binghamton, Candor, Endwell, Newfield, Owego, Spencer, Van Etten, Vestal, and Waverly, NY. Tioga State Bank is proud of its tradition of providing community banking at its best and would welcome the opportunity to have you as a member of the Tioga State Bank family.
Bauer Financial Reports, Inc. has recognized Tioga State Bank’s safety and soundness by awarding it with its highest FIVE STAR rating every consecutive quarter since 1992. This acknowledgement by an independent third party confirms safety and creditworthiness while serving to reaffirm the past, present and future direction of Tioga State Bank.
Customer Service Center/TSB E-Office
1 N. Main Street, PO Box 386
Spencer, NY 14883-0386
Phone: 888-303-4TSB (4872)
Fax: 607-589-7095
