Applications / Mortgage Analytics / Lenders / New York / Tioga State Bank / Competition
Tioga State Bank
Spencer, NY · National bank · OCC · $609 million assets · 250 loans in 2025
Tioga State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
250
loans originated, 2025
306
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who Tioga State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BINGHAMTON, NY, 2025
Tioga State Bank ranks 6th of 180 lenders in Binghamton, NY, with $26.6M lent: 4.6% of a $573.8M market.
Binghamton, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tioga State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ITHACA, NY, 2025
Tioga State Bank ranks 10th of 102 lenders in Ithaca, NY, with $12.3M lent: 3.0% of a $415.5M market.
Ithaca, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tioga State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 76% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO NEW YORK, 2025
Tioga State Bank ranks 88th of 377 lenders in non-metro New York, with $8.3M lent: 0.2% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tioga State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO PENNSYLVANIA, 2025
Tioga State Bank ranks 255th of 643 lenders in non-metro Pennsylvania, with $2.6M lent: 0.0% of a $5.62B market.
non-metro Pennsylvania is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tioga State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ELMIRA, NY, 2025
Tioga State Bank ranks 24th of 93 lenders in Elmira, NY, with $1.4M lent: 0.7% of a $185.1M market.
Elmira, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tioga State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 69% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — SYRACUSE, NY, 2025
Tioga State Bank ranks 159th of 246 lenders in Syracuse, NY, with $625K lent: 0.0% of a $2.51B market.
Syracuse, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Tioga State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — UTICA-ROME, NY, 2025
Tioga State Bank ranks 131st of 174 lenders in Utica-Rome, NY, with $235K lent: 0.0% of a $793.9M market.
Utica-Rome, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Tioga State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 60% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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