Tioga State Bank, also known as TSB, is a locally owned, full-service financial institution that offers a range of depository and lending products. It provides personal checking, savings and individual retirement accounts. The bank also offers a variety of automobile, home equity and educational loans. Tioga State Bank provides ATM and credit cards and issues deposit certificates. The bank is a member of Federal Deposit Insurance Corporation. It additionally provides financing and cash management services. In addition, the bank employs customer service representatives and offers telephone and Internet banking options. Tioga State Bank maintains a location in Spencer, N.Y.