Tioga State Bank is a locally owned, independent community bank that has been around for 160 years. We have 11 community offices located in Binghamton, Candor, Endwell, Newfield, Owego, Spencer, Van Etten, Vestal, and Waverly, NY. The 12th TSB community office will be opening in Johnson City in 2024. Proudly serving the Southern Tier of New York and Northern Pennsylvania, TSB offers personal & business banking products and services, digital banking services, and a variety of financial solutions to meet the needs of our community.