skip to Main Content
About Us

A little about how we began and where we are going.

We are here to serve you.

-Your Trusted Mortgage Partner for 150 Years-

Established in 1873, the Bank was present for the beginning and end of such events as the Spanish – American War, WWI, The Crash of 1929, WWII, the Apollo 11 Moon landing in 1969, to the advent of the personal computer in the 1970’s, and the dot com (digital age) era of the 2000s.

We began as the “Tioga Building and Loan Association”, amidst the aftermath of the Civil War and a severe economic depression.

In 1973, we joined forces with Franklin Savings and Loan Association, forming the Tioga-Franklin Savings Association. Our continued evolution led to becoming Tioga-Franklin Savings Bank in July 2000 and joining the Federal Deposit Insurance Corporation.

As one of the very few Minority Deposit Institutions in the country, the mission of Tioga Franklin Savings Bank as a whole is to promote community development through customer-oriented solutions to under-served consumers and minority populations, including minority-owned businesses.

Despite the challenges small, locally-owned banks & mortgage companies face in today’s competitive landscape, Tioga-Franklin thrives by staying true to our core values; conservative investing, competitive rates, responsive customer service, and minimal fees.

Back To Top