News & Announcements

January 24, 2017

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Robert M. Fisher Nominated as Independent Community Bankers of America® (ICBA) Chairman of Policy Development Committee

Tioga State Bank is pleased to announce that President and CEO Robert M. Fisher was nominated for the position of Policy Development Committee Chairman for the 2017-2018 Independent Community Bankers of America® (ICBA) Board of Directors.

Fisher will reprise his role as Chairman having served in the position for the 2016-2017 term as well. “I am honored to continue my service to ICBA and community banking alike. As community banker, we are dedicated to serving our communities and the support of this group, ICBA, is vital in that mission.”

ICBA serves as the nation’s voice for nearly 6,000 community banks of all sizes and charter types and is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services.

More information about ICBA and the 2017-2018 board nominations is available here.


October 17, 2016

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Attention: Phishing Scam Hits Our Area  

Over the weekend of October 15-16, several people, both customers and non-customers, in our area received messages as part of a phishing scam that appeared to have come from Tioga State Bank. 

“Tioga State Bank’s systems have not been compromised. Scammers have gained access to a list of phone numbers of both customers and non-customers from an outside source unaffiliated with Tioga State Bank. They are contacting both customers and non-customers using our name to try and appear legitimate and generate response. This is a phishing scam.” Stated Laura Ryan, Tioga State Bank Information Security Officer.

“If you receive the message, do not respond. We recommend that those who receive a message delete them and block the number. If you did respond to the message, contact your bank’s fraud center or customer service center immediately. The phone number for Tioga State Bank’s Customer Service Center is 1-888-303-4872.”

The protection of our customers’ private information remains our utmost priority at Tioga State Bank.


October 12, 2016

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Tioga State Bank Partners with Binghamton Senators Hockey to Donate to the Southern Tier Independence Center (STIC)

Tioga State Bank will be donating $50.00 to local charity Southern Tier Independence Center (STIC) for every goal the B-Sens score at home this season.

According to Bob Fisher, President and CEO of Tioga State Bank, “We are pleased to support both the good work of the Southern Tier Independence Center and the hometown hockey team in Greater Binghamton. Giving back to our community is a core value of Tioga State Bank, so donating to STIC is a natural fit.”


October 6, 2016

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Tioga State Bank to Host 1st Annual Prostates and Pancakes 5k and Kids Fun Run with Buffalo Bills Alumni Foundation Organization Cure the Blue

On November 5, 2016, Tioga State Bank will host a Prostates and Pancakes 5k race, Kids fun Run, prostate cancer screening scheduling and free pancake breakfast to help raise awareness of Prostate Cancer and support Cure the Blue. Cure the Blue, established by retire Buffalo Bills Player Bookers Edgerson and in coordination with the Buffalo Bills Alumni Foundation, educates communities on the importance of prostate cancer screening, raises funds for research and increases awareness of the disease.

The event will take place at Hickories Park in Owego, NY. TSB will host a 5k and Kids Fun Run. Members from the Lourdes Hospital Urology Department will be available to schedule Prostate Cancer Screenings and offer information. Participants will also be invited to join us for a free pancake breakfast following the race. Buffalo Bills celebrities will also be available at the event to sign autographs, take photos, etc. Proceeds from the event will be directly donated to the Cure the Blue Organization to help this important cause.


September 6, 2016

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Lake Street, Owego: Tioga State Investment Services, Upscale Apartments and New ATM Now Open

OWEGO, NEW YORK –  Those interested in investing who live or work in the Tioga County area can now enjoy a brand new Investment Services facility in Owego. Tioga State Bank announces its Lake Street Investment Services office, in space at 18 Lake Street, Owego, now offers financial advisory services from two investment management professionals. The building also houses four upscale apartments and a 24/7 deposit-automated ATM.

According to Tioga State Bank’s President and CEO Robert M. Fisher, “We are pleased to be a member of the downtown Owego community. For people to be able to meet with local investment services representatives in a newly renovated space like this, right on Lake Street, is a real plus for our community. And we are happy to offer the additional convenience of a 24/7 deposit-automated ATM for local businesses and consumers.”

Tioga State Bank provides financial services to the Southern Tier of New York State and Northern Pennsylvania with eleven conveniently located offices in Broome, Tioga, Chemung and Tompkins counties. The bank’s website address is www.tiogabank.com and phone number is 1-888-303-4872.

Tioga State Investment Services offers clients access to a wide array of financial planning options, insurance plans and brokerage services through LPL Financial. TSIS will provide solid, unbiased advice, meaningful and timely information and easy access to investments and services that best fit clients’ specific circumstances.

Securities offered through LPL Financial, Member FINRA/SPIC. Insurance products offered through LPL Financial or its licensed affiliates.

Not FDIC Insured

Not Bank Guaranteed

May Lose Value

Not Insured by any Federal Government Agency

Not a Bank Deposit

Tioga State Bank and Tioga State Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.


May 13, 2016

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Crawford Named as the Community Office Manager and Business Development Officer for Waverly TSB Office

SPENCER, NEW YORK – Tioga State Bank is pleased to announce Sandy Crawford as the Community Office Manager and Business Development Officer of the Waverly Tioga State Bank office. Sandy will be responsible for business development in the Waverly, Sayre, Athens area, as well as management of the Waverly Tioga State Bank office including operations, lending, product sales, customer service and security. Sandy was previously a Commercial Services Officer at Tioga State Bank.   

“I am excited for my new role at Tioga State Bank.” Sandy stated.  “I have enjoyed working with Tioga State Bank customers over the last two years and hope to apply my personal, business, educational and professional experience now as the Community Office Manager and Business Development Officer.”  

Sandy received a Bachelor of Science degree from Cornell University’s College of Agriculture and Life Sciences.  Before coming to Tioga State Bank, she worked at AgChoice Farm Credit servicing borrowers.  Sandy is a Director for the Tioga County Agricultural Society, member of the Bradford County Holstein Club, and the Troy Fair Dairy Show Committee. 

Tioga State Bank provides financial services to the Southern Tier of New York State and Northern Pennsylvania with eleven conveniently located offices in Broome, Tioga, Chemung and Tompkins counties. The bank’s website address is www.tiogabank.com and phone number is 1-888-303-4872.


April 1, 2016

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Tioga State Bank Celebrates Community Banking Month with Customer Appreciation Celebrations

SPENCER, NEW YORK – Tioga State Bank is proud to celebrate community banking month. April is Independent Community Bankers Association Community Banking Month, a time to salute the nation’s community banks and the communities they serve.

Community banks are locally owned and operated financial institutions that take in local deposits and lend them out locally, as loans, to neighborhood customers and small business owners.

“For over 150 years, Tioga State Bank has been dedicated to local banking and to our local communities,” said Robert M. Fisher, President and CEO. “By choosing local and banking with us, you’ll realize the vast benefits that come from working with a community bank. By banking local, your money stays in the community where it is used to better the loves of your neighbors and small businesses in the local community. It’s all about providing local economic revitalization.”

In recognition of community banking month, Tioga State Bank will host customer appreciation celebrations throughout the month of April at the 11 TSB community office locations throughout Broome, Tioga, Tompkins and Chemung counties.  


February 10, 2016

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Robert Fisher Nominated as Independent Community Bankers of America® (ICBA) Policy Development Committee Chairman

SPENCER, NEW YORK – Tioga State Bank is pleased to announce that President and CEO Robert Fisher was nominated for the position of Policy Development Committee Chairman for the 2016-2017 Independent Community Bankers of America® (ICBA) board of directors.

 “Tioga State Bank is proud to have been a community bank for over 150 years and has been an active member of the ICBA for over 50 years.” Robert stated.  “I am honored to continue to serve the ICBA, and community banking alike, in this new capacity. As a community bank, we are dedicated to serving our communities and the support of a group like the ICBA has been vital in that mission.” Robert has been involved with the ICBA on various boards and task forces including the Lending Committee, as a Federal Delegate Board Representative, and most recently as Vice Chairman of the Policy Development Committee. 

The ICBA is the nation’s voice for more than 6,000 community banks of all sizes. The ICBA is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, education and high-quality services.


November 30, 2015

Contact: Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

TSB Delivers Over 500 Coats to Local Organizations for 5th Annual TSB Coat Drive

SPENCER, NEW YORK – Tioga State Bank is pleased to have delivered over 500 coats to local organizations for the 5th Annual TSB Coat Drive.

“There are many people in our area who may not have a winter coat and with temperatures bound to start dropping quickly, they needed our help,” stated Katie Lilley, Community Office Manager of the Waverly TSB Office. “The coat drive is something our customers and employees look forward to each year. We are happy to help our communities this winter.”

Tioga State Bank offices in Spencer, Candor, Owego, Newfield, Waverly, and Van Etten collected over 500 coats during the month of November. The coats were then cleaned by Morton Cleaners of Waverly, NY. Members of Tioga State Bank distributed the coats to local organizations in our area to then give them to men, women and children who need them this winter.

Tioga State Bank provides financial services to the Southern Tier of New York State and Northern Pennsylvania with eleven conveniently located offices in Broome, Tioga, Chemung -and Tompkins counties. The bank’s website address is www.tiogabank.com.


November 5, 2015

Contact:  Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Attention: Debit Card Fraud On Rise

Bank Offers Useful Tips During Cyber Security Awareness Month

SPENCER, NEW YORK – October 1 marked the start of Cyber Security Month, and as financial institutions are seeing an increase in fraudulent debit card transactions, Tioga State Bank is taking extra precautions to protect customers against debit card fraud.

According to Tioga State Bank’s President and CEO Robert M. Fisher, “The critical issue of cyber security, and the protection of individuals’ and organizations’ data, is in the news virtually every day. As a community bank, we often serve as the first line of defense in ensuring the privacy and protection of customers’ financial information.” 

“Debit card fraud is not unusual for this time of year. However, we have placed authorization blocks on certain merchants and locations to help ensure customer protection,” said Jen Moraczewski, Tioga State Bank’s Senior Vice President of Operations and Technology. “The block requires transactions to be processed as ‘pin-based’ versus signature, requiring a customer to enter the PIN number attached to the card. This provides another level of protection to the debit card user.”

Tioga State Bank recommends the following tips to help customers safeguard against potential debit card fraud and protect your cyber security:

  • Consider subscribing to Tioga State Bank’s SMS Guardian Text Alert Service to receive alerts for all debit card point of sales transactions made with your Tioga State Bank Debit Card.
  • Monitor your accounts as often as possible.
  • Do not give your PIN number to anyone.
  • Maintain updated virus software on all computers.
  • Refrain from clicking directly on hyperlinks to avoid being taken to a fake website.
  • Ensure that the wireless network you use is password-protected, and choose a strong password.
  • Never respond to text messages from companies alleging to be your bank that request your banking identification, account numbers or name and password.

If you believe that you could be a victim of fraud, contact Tioga State Bank’s Customer Service Center at 888-303-4TSB (4872) to report any unauthorized activity on your accounts.

Tioga State Bank provides financial services to the Southern Tier of New York State and Northern Pennsylvania with eleven conveniently located offices in Broome, Tioga, Chemung and Tompkins counties. The bank’s website address is www.tiogabank.com and phone number is 1-888-303-4872.


November 4, 2015

Contact:  Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Strzepek Joins TSB Marketing Team                        

SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Valerie Strzepek has joined the marketing team as a Digital Media Specialist. Valerie will be responsible for the development and implementation of long and short term digital marketing strategies. Tioga State Bank is excited to expand the marketing department to include this new position to help increase the bank’s visibility and business.

“I am passionate about digital marketing. Digital marketing is constantly evolving and I enjoy the opportunity to always learn something new.” Valerie stated, “I am looking forward to helping elevate Tioga State Bank’s digital footprint.”

Valerie has over four years of marketing experience. She received a Bachelor’s degree in Business with a concentration in Marketing from SUNY Fredonia.

Tioga State Bank provides financial services to the Southern Tier of New York State and Northern Pennsylvania with eleven conveniently located offices in Broome, Tioga, Chemung -and Tompkins counties. The bank’s website address is www.tiogabank.com.


August 11, 2015

Contact:  Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Hodel Joins TSB Business Banking Team

SPENCER, NEW YORK – Tioga State Bank is pleased to announce that William Hodel has joined the Business Banking team as a Commercial Lender. William will be responsible for serving Tioga State Bank’s existing and prospective business customers in the Southern Tier of New York and Northern Tier of Pennsylvania.

“I am excited to help my customers as a member of Tioga State Bank,” William stated. “I will apply my years of experience in business banking to meet the lending needs of local businesses.”

William joins Tioga State Bank’s Business Banking team with over 30 years of experience in the banking industry. He has held various banking positions including Vice President and Commercial Loan Officer. William is an active member of his community and resides in Endwell, N.Y.

William will be located at the bank’s Vestal Office at 1250 Vestal Parkway East, Vestal, NY, but will be available at a customer’s convenience.

Tioga State Bank provides financial services to the Southern Tier of New York State and Northern Pennsylvania with eleven conveniently located offices in Broome, Tioga, Chemung and Tompkins counties. The bank’s website address is www.tiogabank.com.


March 11, 2015

Contact:  Sharon Yaple, Senior Vice President, Retail Banking 607-423-4237, Sarah Harrison Rayle, Marketing Manager 607-589-7600, ext. 0721

Harrison Rayle Joins TSB Marketing Team

SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Sarah Harrison Rayle has joined the marketing team. Sarah will be responsible for the development and implementation of long and short term marketing strategies aimed at increasing the bank’s visibility and business.

“My career has afforded me the opportunity to work in multiple fast-paced industries from higher education to health care. My path has led me to the banking industry, and specifically, Tioga State Bank, as an opportunity to offer new marketing strategies in a highly competitive industry, with a local, community-driven organization.” Sarah stated, “I grew up in Spencer and am looking forward to making a difference in all the communities Tioga State Bank serves.”

Sarah has over eight years of marketing experience. Sarah received a Master’s in Advertising from Syracuse University and a Bachelor’s in Political Science and Communications from Alfred University.

Tioga State Bank provides financial services to the Southern Tier of New York State and Northern Pennsylvania with eleven conveniently located offices in Broome, Tioga, Chemung -and Tompkins counties. The bank’s website address is www.tiogabank.com.


March 11, 2015

Contact:  Sarah Harrison Rayle, Marketing Manager 607-565-3570, ext. 0721

Boynton Joins TSB Mortgage Team

SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Jessica L. Boynton has joined the mortgage origination team. Jessica will be responsible for the origination of residential mortgages for purchase, refinance, or new construction at Tioga State Bank. She will focus her efforts in the Tompkins County, NY market.

“I started my career at a local financial institution as a teller and staff development specialist. Early on, I found that my passion was in lending. I enjoy working with my clients to provide exceptional customer service throughout the mortgage process.” Jessica stated. “I am honored to join the mortgage team at Tioga State Bank. The team at TSB provides professional, individualized service throughout the four counties served.”

Jessica has over seven years of mortgage servicing experience, including management experience. She resides in Candor, NY.

Tioga State Bank provides financial services to the Southern Tier of New York State and Northern Pennsylvania with eleven conveniently located offices in Broome, Tioga, Chemung and Tompkins counties. The bank’s website address is www.tiogabank.com and phone number is 1-888-303-4872.