President’s Message

Robert Fisher

Robert Fisher
President & CEO
Tioga State Bank

The banking system in the United States is very unique compared to the rest of the world. Currently, there are roughly 5,000 bank charters in the US. While all banks offer deposits and loans, community banks are vastly different from the largest national banks – often referred to as megabanks. Obviously size and footprint are two of the major differences, but our business models are drastically different as well.

At Tioga State Bank, we strive to go beyond simply a size differential. And, perhaps the biggest difference between TSB and a mega-bank, is in the difference of our top priorities. At Tioga State Bank our top priority is you, our customers. Tioga State Bank is hugely focused on our local community. Our business model is based on relationships with our clients, versus a volume based business. Our goal is to be your trusted financial advisor, for life. And what does that mean? For us, first and foremost, earning your trust is our top priority – it has been since 1864. It also means acting as your financial partner. We want to be on your financial team, developing solutions that meet your individual needs through teamwork and our commitment to you. We want to help make your financial dreams a reality.

Tioga State Bank is also focused on helping our local communities, beyond being their bank of choice. We support many local charities and organizations in a variety of ways. We encourage our staff to donate their time and give every employee paid time off of work to volunteer. We have also donated over $100,000 each year to help support local organizations succeed. Lastly, we created the TSB Foundation to help benefit our local communities. We are committed to contributing a portion of our annual net income to this foundation, which will benefit our local communities for generations.

So thank you for placing your trust in Tioga State Bank and choosing to bank local.