We all enjoy shopping at our local farm stands and farmer’s markets.  Many of us support our convenient, local gas stations.  We all have favorite restaurants, and the list of local businesses goes on.  I invite you to share with your friends and business associates this ‘Go Local’ theme.

The ‘Go Local’ theme also applies to banking.  Tioga State Bank is a local, community bank which provides you the benefits of dealing directly with local decision makers.  You enjoy a relationship-based banking experience, as well as, superior customer service.  Plus, your community benefits when we use deposits to make loans to our local consumer and commercial customers!  On average, we lend $.75 of every $1.00 deposited in our community.  The movie, It’s A Wonderful Life, is alive and well in the Southern Tier of New York.

Tioga State Bank has been headquartered in Spencer, NY, since 1864.  We are proud of our safety and soundness.  We have just achieved 20 consecutive years of 5-Star ratings by BauerFinancial, an independent bank rating firm.    Tioga State Bank is one of only 7% of the nation’s banks achieving this honor.

So the next time you are discussing where you shop with your friends, remember to tell them about banking locally with your community bank.  Not only is it good for you, it benefits the entire community.  You know we’ll do our best to help your friends and family when they come in!