Community banking thrives at 5-Star Tioga State Bank

Tioga State Bank, out of Spencer, N.Y. is proud to announce it has earned BauerFinancial’s 5-Star Superior rating for strength and security, positive proof that you don’t have to be the biggest to be the best.

BauerFinancial Inc., Coral Gables, Fla., the nation’s bank rating firm, has been evaluating and rating banks since 1983. A 5-Star Superior rating indicates that Tioga State Bank is one of the strongest in the nation, excelling in areas of capital, loan quality, profitability and more. In fact, Tioga State Bank has earned this highest rating for the most recent 92 consecutive quarters, which secures it an even more elite status as a “Sustained Superiority Bank”. Only 6 percent of the nation’s banks have earned and maintained Bauer’s top rating for so long and with such consistency.

“Local decisions, responsive service and a dedication to making the community a better place to live. These are the hallmarks of community banks and they are alive and thriving at Tioga State Bank”, champions Karen L. Dorway, president of BauerFinancial.

“Community banks have an understanding of what the community needs and provide the financial support tailored to those needs. The money deposited into a community bank is loaned back out to the community. It all stays local”, she continued.

In 2015 Tioga State Bank will be celebrating 151 years of service to the community. Established in 1864, Tioga State Bank ( currently operates through 11 conveniently located branch offices.

Tioga State Bank is a member of the FDIC and an Equal Housing Lender.

BauerFinancial Inc., Coral Gables, Fla., the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution can pay for or opt out of a BauerFinancial rating. Consumers may obtain free star-ratings by visiting