Today, under the leadership of President and CEO Robert (Bob) Fisher, Tioga State Bank continues to differentiate itself through a relationship-driven model that places people before transactions. While the financial services landscape grows increasingly digitized and consolidated, the bank has stayed true to a philosophy that values personal connection, local decision-making, and long-term community investment. A COMMUNITY BANK WITH BROAD REACH AND FOCUSED PURPOSE At its core, Tioga State Bank specializes in one-tofour family residential lending and small business financing—two areas that are foundational to local economic vitality. According to Fisher, the bank takes particular pride in its ability to work beyond rigid lending templates, offering non-conforming loan solutions that reflect the real-world circumstances of its customers. “Within the regulatory framework we operate in, we try to be as creative and flexible as possible,” Fisher explains. “Our goal is always to find a way to help customers succeed, rather than defaulting to a ‘no.’” That mindset is especially valuable for self-employed individuals, contractors, and small business owners whose financial profiles may not fit neatly into standardized underwriting models. By taking the time to understand each customer’s situation,Tioga State Bank has built lasting relationships that extend well beyond individual transactions. GIVING BACK AS A CORE RESPONSIBILITY Community investment is not an afterthought at Tioga State Bank—it is embedded in the institution’s operating philosophy. Several years ago, the bank formalized that commitment through the creation of the TSB Foundation, to which five percent of annual net income is donated each year. Those funds are reinvested directly into local nonprofits and initiatives designed to improve quality of life across the bank’s service area. Beyond financial contributions, the bank actively encourages hands-on involvement. Employees are provided with Volunteer Time Off (VTO), enabling them to support local causes during work hours. From breast cancer awareness campaigns and prostate cancer fundraisers to Salvation Army bellringing competitions and community builds, Tioga State Bank’s presence is felt well beyond its branch walls. Importantly, much of the money raised through these 35 BUSINESS VIEW MAGAZINE VOLUME 13, ISSUE 02 TIOGA STATE BANK
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