Financial/Insurance

Spencer Agency
85 Main Street, PO Box 68
​Candor, New York 13743
607-589-4456
607-659-5445
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email: insurance@spencer-agency.com

Due to current health concerns the main office will be closed to everyday walk in traffic. You are welcome to schedule an appointment.

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Tioga State Bank
73 Main Street, PO Box 125
Candor, New York 13743
​607-659-5125
Fax: (607) 659-4460
ATM & Night Depository Available

Due to COVID 19: Our lobbies are open until 1:00 PM. After 1:00 PM, by appointment only.
*Please Note: Until further notice, Saturdays will remain drive-up only at all locations

Hopefully in the future our times will be as below:
Lobby Hours:
Mon.-Wed. 9:00 a.m. – 4:00 p.m.
Thu.-Fri. 9:00 a.m. – 5:00 p.m.
Sat. Closed

Drive-Up Hours:
Mon.-Wed. 8:30 a.m. – 4:30 p.m.
Thu.-Fri. 8:30 a.m. – 5:00 p.m.
Sat. 9:00 a.m. – 12:00 p.m.

Tioga State Bank is a locally owned, independent community bank serving the Southern Tier of NY and Northern PA. Our mission is to be a successful, customer-focused service and sales organization.

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