We began life as the Tioga Building and Loan Association in 1873, a seemingly unlikely year in which to launch a new bank. Only eight years had passed since the end of the Civil War, and our country found itself in the grip of a severe economic depression. Credit dried up, foreclosures were common and banks failed. We survived that early economic crisis, and every one since then, by sticking to our core principles. These include conservative investing, offering competitive rates to both depositors and borrowers, responding quickly and courteously to customer concerns, and keeping fees to a minimum. In 1973, the Tioga Building and Loan Association merged with the Franklin Savings and Loan Association to form the Tioga-Franklin Savings Association. In July 2000, we became Tioga-Franklin Savings Bank and members of the Federal Deposit Insurance Corporation. Some “experts” have questioned whether small, mutually owned, banks can survive in a world of much larger, more sophisticated competitors. We invite you to join the Tioga-Franklin family, and find out first-hand why we’re here to stay.