Financial services in the 21^st century are dominated by large institutions that many people feel are becoming increasingly impersonal as they grow in size. At Tioga-Franklin, we call ourselves “the little bank with a big difference,” and the big difference is the personal touch.

We don’t try to be all things to all people. We offer mortgages, home equity loans, savings accounts and certificates of deposit. By keeping our overhead low, we can offer competitive rates, and being small allows us to know our customers on a first-name basis and treat people like people.

If you come to our office on Girard Avenue , you won’t have to ask to see me. There won’t be any receptionist checking to see if I’m available. If I’m there, I’ll greet you personally and if you catch me during lunch, I’ll put down my sandwich and listen to what’s on your mind.

How many bank presidents do you know who can make that claim? And you can expect the same level of service from everyone here at Tioga.

The “big difference” also means that when you finance your home with Tioga, your mortgage stays with Tioga. We won’t sell your loan, so you’ll never have the nightmare of resolving issues with a post office box and an automated message machine somewhere else in the country (or the world).

Again, we don’t try to be all things to all people, but we just might be what you’ve been looking for.

Bob Lockyer

President & CEO