Form990-PF

Department of the Treasury
Internal Revenue Service

Return of Private Foundation
or Section 4947(a)(1) Trust Treated as Private Foundation
Do not enter social security numbers on this form as it may be made public.
Go to www.irs.gov/Form990PF for instructions and the latest information.
OMB No. 1545-0047
2025
Open to Public Inspection
For calendar year 2025, or tax year beginning 01 - 01 2025, and ending 12 - 31, 20 25
Name of foundation
THE TSB FOUNDATION INC
 
Number and street (or P.O. box number if mail is not delivered to street address) 1 N MAIN ST
  Room/suite
City or town
SPENCER
State or province
NY
Country  
ZIP or foreign postal code
14883
A Employer identification number

82-3749132
B Telephone number (see instructions)

6075897600
C
G Check all that apply:

D 1. Foreign organizations, check here.............
2. Foreign organizations meeting the 85%
test, check here and attach computation ...
E
H Check type of organization:
F
I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16)$1,124,049J Accounting method:
 
(Part I, column (d) must be on cash basis.)
Part I Analysis of Revenue and Expenses (The total of amounts in columns (b), (c), and (d) may not necessarily equal the amounts in column (a) (see instructions).) (a) Revenue and
expenses per
books 		(b) Net investment
income 		(c) Adjusted net
income 		(d) Disbursements
for charitable
purposes
(cash basis only)
Revenue 1 Contributions, gifts, grants, etc., received (attach schedule) 208,598
2 Check .................
3 Interest on savings and temporary cash investments 39,324 39,324  
4 Dividends and interest from securities...      
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10  
b Gross sales price for all assets on line 6a  
7 Capital gain net income (from Part IV, line 2)... 0
8 Net short-term capital gain.........  
9 Income modifications...........  
10a Gross sales less returns and allowances  
b Less: Cost of goods sold....  
c Gross profit or (loss) (attach schedule).....    
11 Other income (attach schedule).......      
12 Total. Add lines 1 through 11........ 247,922 39,324  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc. 0 0   0
14 Other employee salaries and wages......        
15 Pension plans, employee benefits.......        
16a Legal fees (attach schedule).........        
b Accounting fees (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
3,000 0   3,000
c Other professional fees (attach schedule).... Click to see attachment
List of Attached Documents:
// Content
1,647 0   1,647
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment
List of Attached Documents:
// Content
1,176 0   0
19 Depreciation (attach schedule) and depletion...      
20 Occupancy..............        
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
778 0   778
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 6,601 0   5,425
25 Contributions, gifts, grants paid....... 109,352 109,352
26 Total expenses and disbursements. Add lines 24 and 25 ................ 115,953 0   114,777
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements 131,969
b Net investment income (if negative, enter -0-) 39,324
c Adjusted net income (if negative, enter -0-)...  
For Paperwork Reduction Act Notice, see instructions.
Cat. No. 11289X Form 990-PF (2025)
Form 990-PF (2025)
Page 2
Part II Balance Sheets Attached schedules and amounts in the description column
should be for end-of-year amounts only. (See instructions.) 		Beginning of year End of year
(a) Book Value (b) Book Value (c) Fair Market Value
Assets 1 Cash—non-interest-bearing............. 2,963 2,010 2,010
2 Savings and temporary cash investments......... 989,117 1,122,039 1,122,039
3 Accounts receivable  
Less: allowance for doubtful accounts        
4 Pledges receivable  
Less: allowance for doubtful accounts        
5 Grants receivable.................      
6 Receivables due from officers, directors, trustees, and other
disqualified persons (attach schedule) (see instructions).....      
7 Other notes and loans receivable (attach schedule)  
Less: allowance for doubtful accounts        
8 Inventories for sale or use..............      
9 Prepaid expenses and deferred charges..........      
10a Investments—U.S. and state government obligations (attach schedule)      
b Investments—corporate stock (attach schedule).......      
c Investments—corporate bonds (attach schedule).......      
11 Investments—land, buildings, and equipment: basis  
Less: accumulated depreciation (attach schedule)        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule)..........      
14 Land, buildings, and equipment: basis 13,275
Less: accumulated depreciation (attach schedule) 13,275      
15 Other assets (describe )      
16 Total assets (to be completed by all filers—see the
instructions. Also, see page 1, item I) 992,080 1,124,049 1,124,049
Liabilities 17 Accounts payable and accrued expenses..........    
18 Grants payable.................    
19 Deferred revenue.................    
20 Loans from officers, directors, trustees, and other disqualified persons    
21 Mortgages and other notes payable (attach schedule)......    
22 Other liabilities (describe )    
23 Total liabilities (add lines 17 through 22)......... 0 0
Net Assets or Fund Balances Foundations that follow FASB ASC 958, check here
and complete lines 24, 25, 29 and 30.
24 Net assets without donor restrictions........... 992,080 1,124,049
25 Net assets with donor restrictions............    
Foundations that do not follow FASB ASC 958, check here
and complete lines 26 through 30.
26 Capital stock, trust principal, or current funds........    
27 Paid-in or capital surplus, or land, bldg., and equipment fund    
28 Retained earnings, accumulated income, endowment, or other funds    
29 Total net assets or fund balances (see instructions)..... 992,080 1,124,049
30 Total liabilities and net assets/fund balances (see instructions). 992,080 1,124,049
Part III
Analysis of Changes in Net Assets or Fund Balances
1
Total net assets or fund balances at beginning of year—Part II, column (a), line 29 (must agree with end-of-year figure reported on prior year’s return) ...............
1
992,080
2
Enter amount from Part I, line 27a .....................
2
131,969
3
Other increases not included in line 2 (itemize)
3
0
4
Add lines 1, 2, and 3 ..........................
4
1,124,049
5
Decreases not included in line 2 (itemize)
5
0
6
Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, line 29, column (b) ..
6
1,124,049
Form 990-PF (2025)
Form 990-PF (2025)
Page 3
Part IV
Capital Gains and Losses for Tax on Investment Income
(a) List and describe the kind(s) of property sold (e.g., real estate,
2-story brick warehouse; or common stock, 200 shs. MLC Co.)		 (b)
How acquired
P—Purchase
D—Donation 		(c)
Date acquired
(mo., day, yr.) 		(d)
Date sold
(mo., day, yr.)
1a
b
c
d
e
(e)
Gross sales price 		(f)
Depreciation allowed
(or allowable) 		(g)
Cost or other basis
plus expense of sale 		(h)
Gain or (loss)
(e) plus (f) minus (g)
a
b
c
d
e
Complete only for assets showing gain in column (h) and owned by the foundation on 12/31/69 (l)
Gains (Col. (h) gain minus
col. (k), but not less than -0-) or
Losses (from col.(h))
(i)
F.M.V. as of 12/31/69 		(j)
Adjusted basis
as of 12/31/69 		(k)
Excess of col. (i)
over col. (j), if any
a
b
c
d
e
2 Capital gain net income or (net capital loss) Bracket If gain, also enter in Part I, line 7
If (loss), enter -0- in Part I, line 7		 Bracket 2  
3 Net short-term capital gain or (loss) as defined in sections 1222(5) and (6):
If gain, also enter in Part I, line 8, column (c) (see instructions). If (loss), enter -0-
in Part I, line 8 ......................... 		Bracket 3  
Part V
Excise Tax Based on Investment Income (Section 4940(a), 4940(b), 4940(e), or 4948—see instructions)
1a Exempt operating foundations described in section 4940(d)(2), check here and enter “N/A" on line 1. Bracket for line 1a
Date of ruling or determination letter:   (attach copy of letter if necessary–see instructions) 1 547
b All other domestic foundations enter 1.39% (0.0139) of line 27b. Exempt foreign organizations enter 4% (0.04) of Part I, line 12, col. (b)
2 Tax under section 511 (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 2 0
3 Add lines 1 and 2........................... 3 547
4 Subtitle A (income) tax (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 4 0
5 Tax based on investment income. Subtract line 4 from line 3. If zero or less, enter -0- ..... 5 547
6 Credits/Payments:
a 2025 estimated tax payments and 2024 overpayment credited to 2025 6a 600
b Exempt foreign organizations—tax withheld at source...... 6b 0
c Tax paid with application for extension of time to file (Form 8868)... 6c 0
d Backup withholding erroneously withheld .......... 6d 0
7 Total credits and payments. Add lines 6a through 6d.............. 7 600
8 Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached. 8 1
9 Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed....... 9  
10 Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid... 10 52
11 Enter the amount of line 10 to be: Credited to 2026 estimated tax52 Refunded 11 0
For Refunded amount, also complete and attach Form 8050. See instructions.
Form 990-PF (2025)
Form 990-PF (2025)
Page 4
Part VI-A
Statements Regarding Activities
1a
During the tax year, did the foundation attempt to influence any national, state, or local legislation or did
Yes
No
it participate or intervene in any political campaign? ....................
1a
 
No
b
Did it spend more than $100 during the year (either directly or indirectly) for political purposes? See the instructions
for the definition.................................
1b
 
No
If the answer is "Yes" to 1a or 1b, attach a detailed description of the activities and copies of any materials
published or distributed by the foundation in connection with the activities.
c
Did the foundation file Form 1120-POL for this year?.....................
1c
 
No
d
Enter the amount (if any) of tax on political expenditures (section 4955) imposed during the year:
(1) On the foundation. $ 0(2) On foundation managers.$ 0
e
Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed
on foundation managers.$ 0
2
Has the foundation engaged in any activities that have not previously been reported to the IRS?.......
2
 
No
If "Yes," attach a detailed description of the activities.
3
Has the foundation made any changes, not previously reported to the IRS, in its governing instrument, articles
of incorporation, or bylaws, or other similar instruments? If "Yes," attach a conformed copy of the changes....
3
 
No
4a
Did the foundation have unrelated business gross income of $1,000 or more during the year?.........
4a
 
No
b
If "Yes," has it filed a tax return on Form 990-T for this year?...................
4b
 
 
5
Was there a liquidation, termination, dissolution, or substantial contraction during the year?.........
5
 
No
If "Yes," attach the statement required by General Instruction T.
6
Are the requirements of section 508(e) (relating to sections 4941 through 4945) satisfied either:
round bullet By language in the governing instrument, or
round bullet By state legislation that effectively amends the governing instrument so that no mandatory directions
that conflict with the state law remain in the governing instrument? ................
6
Yes
 
7
Did the foundation have at least $5,000 in assets at any time during the year? If "Yes," complete Part II, col. (c),
and Part XIV..................................
7
Yes
 
8a
Enter the states to which the foundation reports or with which it is registered (see instructions)
NY
b
If the answer is "Yes" to line 7, has the foundation furnished a copy of Form 990-PF to the Attorney
General (or designate) of each state as required by General Instruction G? If "No," attach explanation .
8b
Yes
 
9
Is the foundation claiming status as a private operating foundation within the meaning of section 4942(j)(3)
or 4942(j)(5) for calendar year 2025 or the taxable year beginning in 2025? See the instructions for Part XIII.
If "Yes," complete Part XIII .............................
9
 
No
10
Did any persons become substantial contributors during the tax year? If "Yes," attach a schedule listing their names
and addresses. ...............................
10
 
No
11
At any time during the year, did the foundation, directly or indirectly, own a controlled entity within the
meaning of section 512(b)(13)? If "Yes," attach schedule. See instructions .............
11
 
No
12
Did the foundation make a distribution to a donor advised fund over which the foundation or a disqualified person had
advisory privileges? If "Yes," attach statement. See instructions.................
12
 
No
13
Did the foundation comply with the public inspection requirements for its annual returns and exemption application?
13
Yes
 
Website addressWWW.TIOGABANK.COM
14
The books are in care ofJENNIFER BROCKNER Telephone no. (607) 589-7600

Located at1 N MAIN STSPENCERNY ZIP+414883
15
Section 4947(a)(1) nonexempt charitable trusts filing Form 990-PF in lieu of Form 1041 —check here .........
and enter the amount of tax-exempt interest received or accrued during the year ........
15
 
16 At any time during calendar year 2025, did the foundation have an interest in or a signature or other authority over YesNo
a bank, securities, or other financial account in a foreign country? .................
16   No
See the instructions for exceptions and filing requirements for FinCEN Form 114. If "Yes", enter the name of the foreign
country
Form 990-PF (2025)
Form 990-PF (2025)
Page 5
Part VI-B
Statements Regarding Activities for Which Form 4720 May Be Required
File Form 4720 if any item is checked in the "Yes" column, unless an exception applies.
Yes
No
1a
During the year did the foundation (either directly or indirectly):
(1) Engage in the sale or exchange, or leasing of property with a disqualified person? ...........
1a(1)
 
No
(2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)
a disqualified person? ..............................
1a(2)
 
No
(3) Furnish goods, services, or facilities to (or accept them from) a disqualified person? ...........
1a(3)
 
No
(4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person? ............
1a(4)
 
No
(5) Transfer any income or assets to a disqualified person (or make any of either available
for the benefit or use of a disqualified person)? ......................
1a(5)
 
No
(6) Agree to pay money or property to a government official? (Exception. Check "No"
if the foundation agreed to make a grant to or to employ the official for a period
after termination of government service, if terminating within 90 days.) ...............
1a(6)
 
No
b
If any answer is "Yes" to 1a(1)–(6), did any of the acts fail to qualify under the exceptions described in Regulations
section 53.4941(d)-3 or in a current notice regarding disaster assistance? See instructions ..........
1b
 
 
c
Organizations relying on a current notice regarding disaster assistance check here ........
d
Did the foundation engage in a prior year in any of the acts described in 1a, other than excepted acts,
that were not corrected before the first day of the tax year beginning in 2025? .............
1d
 
No
2
Taxes on failure to distribute income (section 4942) (does not apply for years the foundation was a private
operating foundation defined in section 4942(j)(3) or 4942(j)(5)):
a
At the end of tax year 2025, did the foundation have any undistributed income (Part XII, lines 6d
and 6e) for tax year(s) beginning before 2025?....................
2a
 
No
If "Yes," list the years 20, 20, 20, 20
b
Are there any years listed in 2a for which the foundation is not applying the provisions of section 4942(a)(2)
(relating to incorrect valuation of assets) to the year’s undistributed income? (If applying section 4942(a)(2)
to all years listed, answer "No" and attach statement—see instructions.) ..............
2b
 
 
c
If the provisions of section 4942(a)(2) are being applied to any of the years listed in 2a, list the years here.
20, 20, 20, 20
3a
Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at
any time during the year? ..............................
3a
 
No
b
If "Yes," did it have excess business holdings in 2025 as a result of (1) any purchase by the foundation
or disqualified persons after May 26, 1969; (2) the lapse of the 5-year period (or longer period approved
by the Commissioner under section 4943(c)(7)) to dispose of holdings acquired by gift or bequest; or (3)
the lapse of the 10-, 15-, or 20-year first phase holding period? (Use Form 4720, Schedule C, to determine
if the foundation had excess business holdings in 2025.).....................
3b
 
 
4a
Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes?
4a
 
No
b
Did the foundation make any investment in a prior year (but after December 31, 1969) that could jeopardize its
charitable purpose that had not been removed from jeopardy before the first day of the tax year beginning in 2025? ..
4b
 
No
Form 990-PF (2025)
Form 990-PF (2025)
Page 6
Part VI-B
Statements Regarding Activities for Which Form 4720 May Be Required (continued)
5a
During the year did the foundation pay or incur any amount to:
Yes
No
(1) Carry on propaganda, or otherwise attempt to influence legislation (section 4945(e))? ..........
5a(1)
 
No
(2) Influence the outcome of any specific public election (see section 4955); or to carry
on, directly or indirectly, any voter registration drive? ....................
5a(2)
 
No
(3) Provide a grant to an individual for travel, study, or other similar purposes? .............
5a(3)
 
No
(4) Provide a grant to an organization other than a charitable, etc., organization described
in section 4945(d)(4)(A)? See instructions ........................
5a(4)
 
No
(5) Provide for any purpose other than religious, charitable, scientific, literary, or
educational purposes, or for the prevention of cruelty to children or animals? .............
5a(5)
 
No
b
If any answer is "Yes" to 5a(1)–(5), did any of the transactions fail to qualify under the exceptions described in
Regulations section 53.4945 or in a current notice regarding disaster assistance? See instructions ........
5b
 
 
c
Organizations relying on a current notice regarding disaster assistance check .........
d
If the answer is "Yes" to question 5a(4), does the foundation claim exemption from the
tax because it maintained expenditure responsibility for the grant? .................
5d
 
 
If "Yes," attach the statement required by Regulations section 53.4945–5(d).
6a
Did the foundation, during the year, receive any funds, directly or indirectly, to pay premiums on
a personal benefit contract? .............................
6a
 
No
b
Did the foundation, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ....
6b
 
No
If "Yes" to 6b, file Form 8870.
7a
At any time during the tax year, was the foundation a party to a prohibited tax shelter transaction?
7a
 
No
b
If "Yes", did the foundation receive any proceeds or have any net income attributable to the transaction? .....
7b
 
 
8
Is the foundation subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or
excess parachute payment during the year? .........................
8
 
No
Part VII
Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors
1 List all officers, directors, trustees, foundation managers and their compensation. See instructions
(a) Name and address (b) Title, and average
hours per week
devoted to position 		(c) Compensation
 (If not paid, enter
-0-) 		(d) Contributions to employee benefit plans and deferred compensation (e) Expense account,
other allowances
ROBERT M FISHER PRESIDENT
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
LORI WELCH DIRECTOR
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
MELISSA JEWELL DIRECTOR
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
MAUREEN ABBOTT DIRECTOR
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
KIM DEPEW VICE PRESIDENT
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
HABIBA SELIMOVIC SECRETARY
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
JENNIFER BROCKNER TREASURER
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
ERIC KNOLLES DIRECTOR
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
SUSAN CHAFFEE DIRECTOR
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
KAREN MONBORNE DIRECTOR
0.25 		0 0 0
1 N MAIN
SPENCER,NY14883
2 Compensation of five highest-paid employees (other than those included on line 1—see instructions). If none, enter “NONE."
(a) Name and address of each employee paid more than $50,000 (b) Title, and average
hours per week
devoted to position 		(c) Compensation (d) Contributions to
employee benefit
plans and deferred
compensation 		(e) Expense account,
other allowances
NONE
Total number of other employees paid over $50,000................... 0
Form 990-PF (2025)
Form 990-PF (2025)
Page 7
Part VII
Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors (continued)
3 Five highest-paid independent contractors for professional services (see instructions). If none, enter "NONE".
(a) Name and address of each person paid more than $50,000 (b) Type of service (c) Compensation
NONE
Total number of others receiving over $50,000 for professional services.............right arrow0
Part VIII-A
Summary of Direct Charitable Activities
List the foundation’s four largest direct charitable activities during the tax year. Include relevant statistical information such as the number of organizations and other beneficiaries served, conferences convened, research papers produced, etc. Expenses
1  
2  
3  
4  
Part VIII-B
Summary of Program-Related Investments (see instructions)
Describe the two largest program-related investments made by the foundation during the tax year on lines 1 and 2. Amount
1  
2  
All other program-related investments. See instructions.
3  
Total. Add lines 1 through 3.........................0
Form 990-PF (2025)
Form 990-PF (2025)
Page 8
Part IX
Minimum Investment Return (All domestic foundations must complete this part. Foreign foundations, see instructions.)
1
Fair market value of assets not used (or held for use) directly in carrying out charitable, etc.,
purposes:
a
Average monthly fair market value of securities...................
1a
0
b
Average of monthly cash balances.......................
1b
1,155,987
c
Fair market value of all other assets (see instructions)................
1c
0
d
Total (add lines 1a, 1b, and 1c).......................
1d
1,155,987
e
Reduction claimed for blockage or other factors reported on lines 1a and
1c (attach detailed explanation) .............
1e
0
2
Acquisition indebtedness applicable to line 1 assets..................
2
0
3
Subtract line 2 from line 1d.........................
3
1,155,987
4
Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see
instructions) .............................
4
17,340
5
Net value of noncharitable-use assets. Subtract line 4 from line 3. ............
5
1,138,647
6
Minimum investment return. Enter 5% (0.05) of line 5 ................
6
56,932
Part X
Distributable Amount (see instructions) (Section 4942(j)(3) and (j)(5) private operating foundations and certain foreign organizations check here and do not complete this part.)
1
Minimum investment return from Part IX, line 6..................
1
56,932
2a
Tax on investment income for 2025 from Part V, line 5 .......
2a
547
b
Income tax for 2025. (This does not include the tax from Part V.) ...
2b
 
c
Add lines 2a and 2b............................
2c
547
3
Distributable amount before adjustments. Subtract line 2c from line 1............
3
56,385
4
Recoveries of amounts treated as qualifying distributions................
4
0
5
Add lines 3 and 4............................
5
56,385
6
Deduction from distributable amount (see instructions) .................
6
0
7
Distributable amount as adjusted. Subtract line 6 from line 5. Enter here and on Part XII, line 1 ...
7
56,385
Part XI
Qualifying Distributions (see instructions)
1
Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:
a
Expenses, contributions, gifts, etc.—total from Part I, line 26, column (d) ..........
1a
114,777
b
Program-related investments—total from Part VIII-B..................
1b
0
2
Amounts paid to acquire assets used (or held for use) directly in carrying out charitable, etc.,
purposes...............................
2
 
3
Amounts set aside for specific charitable projects that satisfy the:
a
Suitability test (prior IRS approval required)....................
3a
 
b
Cash distribution test (attach the required schedule) .................
3b
 
4
Qualifying distributions. Add lines 1a through 3b. Enter here and on Part XII, line 4. .......
4
114,777
Form 990-PF (2025)
Form 990-PF (2025)
Page 9
Part XII
Undistributed Income (see instructions)
(a)
Corpus 		(b)
Years prior to 2024 		(c)
2024 		(d)
2025
1 Distributable amount for 2025 from Part X, line 7 56,385
2 Undistributed income, if any, as of the end of 2025:
a Enter amount for 2024 only....... 0
b Total for prior years:20 , 20, 20 0
3 Excess distributions carryover, if any, to 2025:
a From 2020...... 71,568
b From 2021...... 82,127
c From 2022...... 96,247
d From 2023...... 112,694
e From 2024...... 68,950
f Total of lines 3a through e ........ 431,586
4Qualifying distributions for 2025 from Part
XI, line 4: $ 114,777
a Applied to 2024, but not more than line 2a 0
b Applied to undistributed income of prior years
(Election required—see instructions) ..... 		0
c Treated as distributions out of corpus (Election
required—see instructions) ........ 		0
d Applied to 2025 distributable amount..... 56,385
e Remaining amount distributed out of corpus 58,392
5 Excess distributions carryover applied to 2025. 0 0
(If an amount appears in column (d), the
same amount must be shown in column (a).)
6Enter the net total of each column as
indicated below:
a Corpus. Add lines 3f, 4c, and 4e. Subtract line 5 489,978
b Prior years’ undistributed income. Subtract
line 4b from line 2b .......... 		0
c Enter the amount of prior years’ undistributed
income for which a notice of deficiency has
been issued, or on which the section 4942(a)
tax has been previously assessed...... 		0
d Subtract line 6c from line 6b. Taxable amount
—see instructions ........... 		0
e Undistributed income for 2024. Subtract line
4a from line 2a. Taxable amount—see
instructions ............. 		0
f Undistributed income for 2025. Subtract
lines 4d and 5 from line 1. This amount must
be distributed in 2026 .......... 		0
7 Amounts treated as distributions out of
corpus to satisfy requirements imposed by
section 170(b)(1)(F) or 4942(g)(3) (Election may
be required - see instructions) ....... 		0
8 Excess distributions carryover from 2020 not
applied on line 5 or line 7 (see instructions) ... 		71,568
9 Excess distributions carryover to 2026.
Subtract lines 7 and 8 from line 6a ...... 		418,410
10 Analysis of line 9:
a Excess from 2021 .... 82,127
b Excess from 2022 .... 96,247
c Excess from 2023 .... 112,694
d Excess from 2024 .... 68,950
e Excess from 2025 .... 58,392
Form 990-PF (2025)
Form 990-PF (2025)
Page 10
Part XIII
Private Operating Foundations (see instructions and Part VI-A, question 9)
1a If the foundation has received a ruling or determination letter that it is a private operating
foundation, and the ruling is effective for 2025, enter the date of the ruling ......
 
b Check box to indicate whether the organization is a private operating foundation described in section or
2a Enter the lesser of the adjusted net
income from Part I or the minimum
investment return from Part IX for each
year listed .......... 		Tax year Prior 3 years (e) Total
(a) 2025 (b) 2024 (c) 2023 (d) 2022
         
b 85% (0.85) of line 2a .......          
c Qualifying distributions from Part XI,
line 4 for each year listed ..... 		         
d Amounts included in line 2c not used directly
for active conduct of exempt activities .......... 		         
e Qualifying distributions made directly
for active conduct of exempt activities.
Subtract line 2d from line 2c .... 		         
3 Complete 3a, 3b, or 3c for the
alternative test relied upon:
a “Assets" alternative test—enter:
(1) Value of all assets ......          
(2) Value of assets qualifying
under section 4942(j)(3)(B)(i)		          
b “Endowment" alternative test— enter 2/3
of minimum investment return shown in
Part IX, line 6 for each year listed .. 		         
c “Support" alternative test—enter:
(1) Total support other than gross
investment income (interest,
dividends, rents, payments
on securities loans (section
512(a)(5)), or royalties) .... 		         
(2) Support from general public
and 5 or more exempt
organizations as provided in
section 4942(j)(3)(B)(iii).... 		         
(3) Largest amount of support
from an exempt organization		          
(4) Gross investment income          
Part XIV
Supplementary Information (Complete this part only if the foundation had $5,000 or more in
assets at any time during the year—see instructions.)
1Information Regarding Foundation Managers:
aList any managers of the foundation who have contributed more than 2% of the total contributions received by the foundation
before the close of any tax year (but only if they have contributed more than $5,000). (See section 507(d)(2).)
bList any managers of the foundation who own 10% or more of the stock of a corporation (or an equally large portion of the
ownership of a partnership or other entity) of which the foundation has a 10% or greater interest.
2Information Regarding Contribution, Grant, Gift, Loan, Scholarship, etc., Programs:
Check here if the foundation only makes contributions to preselected charitable organizations and does not accept
unsolicited requests for funds. If the foundation makes gifts, grants, etc. to individuals or organizations under
other conditions, complete items 2a, 2b, 2c, and 2d. See instructions
aThe name, address, and telephone number or e-mail address of the person to whom applications should be addressed:
NOT SPECIFICALLY IDENTIFIED
1 N MAIN ST
SPENCER,NY14883
(888) 303-4872
TIOGABANK.COM
bThe form in which applications should be submitted and information and materials they should include:
ONLINE APPLICATION IS AVAILABLE ON TIOGABANK.COM AND WILL BE USED EXCLUSIVELY.
cAny submission deadlines:
NO
dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
factors:
GEOGRAPHICAL AREAS: BROOME COUNTY, CHEMUNG COUNTY, TIOGA COUNTY AND TOMPKINS COUNTY IN NY. BRADFORD COUNTY IN PA. FOCUS AREAS: HEALTH & HUMAN SERVICES, YOUTH, SENIOR CITIZENS, COMMUNITY/SPORTS/RECREATION, CULTURE & ARTS GRANT CATEGORIES: PROGRAM SUPPORT, CAPITAL PROJECTS, OPERATING SUPPORT AND CAPACITY BUILDING. GRANT BUCKETS: SMALL GRANTS UP TO $250; MEDIUM GRANTS $251-$1,000; LARGE GRANTS OVER $1,000
Form 990-PF (2025)
Form 990-PF (2025)
Page 11
Part XIV
Supplementary Information (continued)
3 Grants and Contributions Paid During the Year or Approved for Future Payment
Recipient If recipient is an individual,
show any relationship to
any foundation manager
or substantial contributor
 Foundation
status of
recipient 		Purpose of grant or
contribution 		Amount
Name and address (home or business)
aPaid during the year

A ROOM TO HEAL

PO BOX 503
VESTAL,NY13851 		NONE   BJD MATCH 230

ADVOCACY CENTER OF TOMPKINS

PO BOX 164
ITHACA,NY14851 		NONE   KIDS ARE OUR BUSINESS EVENT 350

AMERICAN FOUNDATION FOR SUICIDE PREVENTION

PO BOX 74
FREEVILLE,NY13068 		NONE   OUT OF THE DARKNESS WALK IN BROOME COUNTY 450

AMERICAN RED CROSS

620 EAST MAIN ST
ENDWELL,NY13760 		NONE   DONATION - REAL HEROES BREAKFAST 1,315

ANIMAL CARE SANCTUARY

353 SANCTUARY HILL LANE
EAST SMITHFIELD,PA18817 		NONE   DONATION 250

APALACHIN UNITED METHODIST CHURCH

PO BOX 335
APALACHIN,NY13732 		NONE   CARNIVAL DONATION 150

BINGHAMTON PHILHARMONIC

71 STATE ST LOWER LEVEL
BINGHAMTON,NY13901 		NONE   UNRESTRICTED DONATION 1,250

BREAD OF LIFE FOOD PANTRY

1 WATER ST
CANDOR,NY13743 		NONE   BLUE JEANS DAY DONATION MATCH - $243, OWEGO ROTARY 5K - $220 613

BROOME COUNTY COUNCIL OF CHURCHES

3 OTSENINGO ST
BINGHAMTON,NY13903 		NONE   3/6 LIVES OF COMMITMENT SPONSORSHIP - $600 800

BROOME COUNTY HABITAT FOR HUMANITY

103 ADAMS AVE
ENDICOTT,NY13760 		NONE   RAISING THE ROOF FUNDRAISER 2,600

BROOME COUNTY SHERIFF'S DEPT

PO BOX 3203
BINGHAMTON,NY13902 		NONE   CIVIC COMMUNITY FUND DRIVE 590

BUFFALO BILLS ALUMNI FOUNDATION INC

PO BOX 118
GETZVILLE,NY14068 		NONE   11/08 BLUE JEANS DAY MATCH - $26512/11 CURE THE BLUE DONATION - $2,500 813

CANDOR EMERGENCY SQUAD

58 MAIN ST
CANDOR,NY13743 		NONE   EQUIPMENT UPGRADES 2,500

CANDOR FREE LIBRARY

2 BANK ST PO BOX 104
CANDOR,NY13743 		NONE   UPGRADE LIGHTING 468

CATHOLIC CHARITIES OF TIOGATOMPKINS

932 W RIVER
NICHOLS,NY13812 		NONE   OWEGO ROTARY 5K SPONSORSHIP - $220, YESS PROGRAM DONATION -$2,500 2,825

CHENANGO VALLEY LITTLE LEAGUE

C/O PORT DICKINSON TOWN HALL
BINGHAMTON,NY13901 		NONE   TEAM SPONSORSHIP 250

COMMUNITY FOUNDATION OF S CENTRAL NY

520 COLUMBIA DR
JOHNSON CITY,NY13790 		NONE   11/08 YEAR END DONATION - $500 500

COMMUNITY FOUNDATION OF THE TWIN TIERS

104 LOCKHART ST
SAYRE,PA18840 		NONE   UNRESTRICTED DONATION 500

COMMUNITY FOUNDATION OF TOMPKINS COUNTY

200 E BUFFALO ST
ITHACA,NY14850 		NONE   UNRESTRICTED DONATION 500

DUCA DEGLI ABRUZZI #443

126 ODELL AVE
ENDICOTT,NY13760 		NONE   ITALIAN CELEBRATION 100

ENDICOTT ELKS LODGE #1977

619 NANTICOKE AVE
ENDICOTT,NY13760 		NONE   UNRESTRICTED DONATION 100

ENDICOTT HOLIDAY PARADE

1308 IRMA ST
ENDICOTT,NY13760 		NONE   ENDICOTT ANNUAL HOLIDAY PARADE & CELEBRATION 50

ENDICOTT PERFORMING ARTS CENTER

102 WASHINGTON AVE
ENDICOTT,NY13760 		NONE   DONATION 2,500

ENDICOTT PRESCHOOL

29 GRANT AVE
ENDICOTT,NY13760 		NONE   SUPPLIES DONATION 100

ENDICOTT TEENER LEAGUE

PO BOX 446
ENDICOTT,NY13761 		NONE   SPONSORSHIP 300

FAMILY READING PARTNERSHIP

40 CATHERWOOD RD STE D01
ITHACA,NY14850 		NONE   DONATION - READING PROGRAM IN NEWFIELD 150

GIGI'S PLAYHOUSE

223 REYNOLDS RD SUITE 55
JOHNSON CITY,NY13790 		NONE   GOLF FUNDRAISER -$125, DONATION - $500, BLUE JEANS DAY MATCH - $210 1,500

GLOVE HOUSE INC

460 WEST CHURCH ST
ELMIRA,NY14904 		NONE   UPGRADE CPR EQUIPMENT -1,000

GREATER VALLEY CHAMBER OF COMMERCE

109 CHEMUNG ST
WAVERLY,NY14892 		NONE   GOLF HOLE 100

GUTHRIE

ONE GUTHRIE SQUARE
SAYRE,PA18840 		NONE   ROAR READING PROGRAMS FOR KIDS - $1000, BREAST CANCER AWARENESS - $490 2,750

HABITAT FOR HUMANITY

PO BOX 4683
ITHACA,NY14852 		NONE   WOMEN BUILD WEEKEND 2,500

HAVEN OF PEACE INC

2857 MONTROSE TURNPIKE
OWEGO,NY13827 		NONE   MAPLERIDGE RANCH CAMPER ASSISTANCE 1,250

HCA

18 BROAD ST
JOHNSON CITY,NY13790 		NONE   DONATION - EVENT 1,000

ITHACA NEIGHBORHOOD HOUSING SERVICES

115 W CLINTON ST
ITHACA,NY14850 		NONE   HOME ASSISTANCE TO LOW-TO-MODERATE PEOPLE 2,500

JEWISH COMMUNITY CENTER OF BINGHAMTON

500 CLUBHOUSE RD
VESTAL,NY13850 		NONE   LITERACY DAY 250

JOHNSON CITY DOLLARS FOR SCHOLARS

PO BOX 100
JOHNSON CITY,NY13790 		NONE   UNRESTRICTED DONATION 150

KIWANIS CLUB OF OWEGO

PO BOX 335
OWEGO,NY13827 		NONE   2/14 TRIVIA FUNDRAISER - $2256/12 RADIO DAYS - $3007/19 GOLF TEAM AND HOLE - $500 825

LIONS CAMP BADGER

725 LARUE RD
SPENCER,NY14883 		NONE   JEANS DAY MATCH 3,643

LITERACY VOLUNTEERS OF BROOME TIOGA COUNTIES

185 COURT ST
BINGHAMTON,NY13901 		NONE   PROGRAM SUPPORT 1,498

MAINE-ENDWELL HIGH SCHOOL

750 FARM TO MARKET RD
ENDWELL,NY13760 		NONE   AFTER PROM PARTY 50

MEALS ON WHEELS OF WESTERN BROOME

705 W MAIN ST
ENDICOTT,NY13760 		NONE   SERVICE SUPPORT DONATION 1,500

MENTAL HEALTH ASSOCIATION OF THE SOUTHERN TIER

47 BROAD AVE
BINGHAMTON,NY13904 		NONE   GOLF TEAM AND SPONSOR 700

MOM'S HOUSE

770 HARRY L DRIVE
JOHNSON CITY,NY13790 		NONE   8/14 GOLF FUNDRAISER 1,000

NEWFIELD GOOD NEIGHBOR FUND

PO BOX 311
NEWFIELD,NY14867 		NONE   BLUE JEANS DAY MATCH 190

NEWFIELD HISTORICAL SOCIETY

PO BOX 114
NEWFIELD,NY14867 		NONE   DONATION FOR DISPLAYS 450

NEWFIELD PROJECT GRADUATION

206 DEERWOOD LANE
NEWFIELD,NY14867 		NONE   GRADUATION EVENT 200

NEWFIELD PUBLIC LIBRARY

198 MAIN ST
NEWFIELD,NY14867 		NONE   NEWFIELD TREE LIGHTING 100

NICHOLS TIOGA LITTLE LEAGUE

PO BOX 323
NICHOLS,NY13812 		NONE   SIGN SPONSORSHIP 100

NORTH SPENCER CHRISTIAN ACADEMY

721 ITHACA RD
SPENCER,NY14883 		NONE   HARVEST BANQUET 450

NYS 4-H FOUNDATION

201 CALDWELL HALL
ITHACA,NY14850 		NONE   PATRON SPONSOR GOLF CLASSIC 850

OLIVIA MARIE HILL FOUNDATION INC

75 DEYO HILL RD
JOHNSON CITY,NY13790 		NONE   DONATION FOR SCHOLARSHIPS 500

OPEN DOOR MISSION

425 NORTH AVE
OWEGO,NY13827 		NONE   BLUE JEANS DAY MATCH 225

OWEGO FREE ACADEMY

5 SHELDON GUILE BLVD
OWEGO,NY13827 		NONE   POST PROM PARTY -100

OWEGO GYMNASTICS & ACTIVITY CENTER

748 STATE ROUTE 38
OWEGO,NY13827 		NONE   JIM & ALICE BOLAND MEMORIAL GOLF 3,600

OWEGO HOSE TEAMS INC

461 E MAIN ST
OWEGO,NY13827 		NONE   GOLF TOURNAMENT FUNDRAISER 125

OWEGO LITTLE LEAGUE

PO BOX 2
OWEGO,NY13827 		NONE   TEAM DONATION SPONSORSHIP 275

OWEGO POLICE BENEVOLENT ASSOCIATION

90 TEMPLE ST
OWEGO,NY13827 		NONE   VILLAGE OF OWEGO APPRECIATION EVENT 200

OWEGO-APALACHIN BASKETBALL CLUB

PO BOX 584
OWEGO,NY13827 		NONE   DONATION 100

OWEGO-APALACHIN SCHOOLS

5 SHELDON GUILE BLVD
OWEGO,NY13827 		NONE   OA MUSIC BOOSTER CLUB 150

PEOPLE'S BAPTIST CHURCH

364 MAIN ST
NEWFIELD,NY14867 		NONE   COMMUNITY EASTER EGG HUNT 250

ROTARY CLUB OF WAVERLY

PO BOX 717
WAVERLY,NY14892 		NONE   6/21 BEAUTIFICATION PROJECT - $25011/8 ELECTION DAY PANCAKE EVENT - $50 200

SARAH'S CAUSE

2520 VESTAL PKWY EAST 227
VESTAL,NY13850 		NONE   FUNDRAISER 100

SHADY STRONG INC

580 DR KNAPP RD N
NEWARK VALLEY,NY13811 		NONE   DONATION ALS AWARENESS EVENT 500

SPAULDING MEMORIAL LIBRARY

724 SOUTH MAIN ST
ATHENS,PA18810 		NONE   SUPPORT LIBRARY AND TIOGA POINT MUSEUM 100

SPECIAL OLYMPICS

94 NEW KARNER RD
ALBANY,NY12203 		NONE   SPONSORSHIP OF ITHACA EVENT 1,000

SPENCER-VAN ETTEN FOOD CUPBOARD

91 ORCHARD ST
SPENCER,NY14883 		NONE   DONATION 2,500

SPENCER-VAN ETTEN SCHOOL DISTRICT

16 DARTTS CROSSROAD
SPENCER,NY14883 		NONE   PROJECT GRADUATION CLASS OF 2024 - $150MUSICAL PROGRAM - $50TIE DYE SHIRT PROJECT DONATION - $250 475

SPENCER-VAN ETTEN YOUTH ASSOCIATION

PO BOX 162
SPENCER,NY14883 		NONE   6/2 SVEC FOOTBALL GOLF FUNDRAISER - $1007/5 DONATION - $100 50

ST JOHN THE EVANGELIST ELEMENTARY SCHOOL

6 LIVINGSTON ST
BINGHAMTON,NY13903 		NONE   BINGHAMTON SANTA RUN 5K 250

ST MARY OF THE ASSUMPTION

15 DOUBLEDAY ST
BINGHAMTON,NY13901 		NONE   DONATION - BAZAAR 100

STACHESTRONG

511 CASTLEMAN RD
VESTAL,NY13850 		NONE   5K RUN/WALK FUNDRAISER 500

STRAY HAVEN HUMANE SOCIETY

194 SHEPARD RD
WAVERLY,NY14892 		NONE   BLUE JEANS DAY MATCH 450

SUPER COOPER SAVES THE DAY INC

6 HI-OVER RD
BINGHAMTON,NY13901 		NONE   FUNDRAISING CARNIVAL SPLIT 8/9/11/12 - $250DONATION - $250 250

S-VE FOOD CUPBOARD

91 ORCHARD ST
SPENCER,NY14883 		NONE   OWEGO ROTARY 5K SPONSORSHIP - $220, DONATION - $2,500, BLUE JEANS DAY MATCH - $248 325

THE DISCOVERY CENTER OF THE SOUTHERN TIER

60 MORGAN RD
BINGHAMTON,NY13903 		NONE   YEARLY SPONSORSHIP OF PROGRAMS & 40TH ANNIV. 1,000

THE SALVATION ARMY OF SAYRE

351 FULTON ST
SAYRE,PA18840 		NONE   DONATION CAMP SCHOLARSHIPS 1,000

TIOGA COUNTY BOYS & GIRLS CLUB

201 ERIE ST
OWEGO,NY13827 		NONE   DONATION FOR TEEN CENTER 250

TIOGA COUNTY HISTORICAL SOCIETY

110 FRONT ST
OWEGO,NY13827 		NONE   DISPLAYS FOR COLLECTIONS 2,500

TIOGA COUNTY RURAL MINISTRY

143 NORTH AVE
OWEGO,NY13827 		NONE   ICE BOWL FUNDRAISER - $250BLUE JEANS DAY MATCH - $289OWEGO ROTARY 5K SPONSORSHIP - $220 1,105

TIOGA COUNTY SWCD

183 CORPORATE DR
OWEGO,NY13827 		NONE   SUNDAES ON THE FARM SPONSORSHIP 750

TIOGA UNITED WAY

146 CENTRAL AVE SUITE 3
OWEGO,NY13827 		NONE   BLUE JEANS DAY MATCH - $1,220YEAR-END DONATION - $ 2,000 100

TRI-CITIES OPERA

315 CLINTON ST
BINGHAMTON,NY13905 		NONE   DONATION - OPERA-GO-ROUND 2,500

UNITED WAY OF BROOME COUNTY

101 S JENSEN RD
VESTAL,NY13850 		NONE   DONATION - LEE BARTA CENTER - $2,000YEAR-END DONATION - $4.000 7,000

UNITED WAY OF TOMPKINS COUNTY

313 N AURORA ST
ITHACA,NY14850 		NONE   UNRESTRICTED DONATION 1,500

VESTAL ELKS

2071 VESTAL PARKWAY WEST
VESTAL,NY13850 		NONE   GOLF TOURNAMENT FUNDRAISER 125

VESTAL HIGH SCHOOL

205 WOODLAWN DR
VESTAL,NY13850 		NONE   DONATION CHEM-FREE PROM PARTY 150

VESTAL LITTLE LEAGUE

PO BOX 14
VESTAL,NY13851 		NONE   SPONSORSHIP SPLIT 8 AND 12 450

VESTAL POLICE BENEVOLENT ASSOCIATION

PO BOX 731
VESTAL,NY13851 		NONE   UNRESTRICTED DONATION 285

VILLAGE OF SPENCER

41 N MAIN ST
WAVERLY,NY14892 		NONE   PANTHER PAK SUMMER PROGRAM 2,000

WAVERLY COMMUNITY CHEST

PO BOX 844
WAVERLY,NY14892 		NONE   UNRESTRICTED DONATION 1,000

WHITNEY POINT SCHOOL DISTRICT

2887 NYS ROUTE 11
WHITNEY POINT,NY13862 		NONE   TEACHER APPRECIATION 2024 STOP PAYMENT -500

WREATHS ACROSS AMERICA

PO BOX 249
COLUMBIA FALLS,ME04623 		NONE   DONATION FOR TIOGA CEMETERY 100

YOUTH CHALLENGE OF NEW YORK

PO BOX 1770
BINGHAMTON,NY13902 		NONE   BLUE JEANS DAY MATCH - RENOVATION HOUSE 235

YWCA BINGHAMTON

80 HAWLEY ST
BINGHAMTON,NY13901 		NONE   SPONSORSHIP OF PROGRAMS 2,000

AMPLIFY EQUITY

168 MAIN ST
ELMIRA,NY14901 		NONE   DONATION TO LOAN FOR ENTREPRENEURS 1,000

BINGHAMTON DOWNTOWN SINGERS

181 RIVERSIDE DRIVE
JOHNSON CITY,NY13790 		NONE   CONCERT DONATION 200

BINGHAMTON POLICE BENEVOLENT ASSOCIATION

38 HAWLEY ST
BINGHAMTON,NY13901 		NONE   DONATION 300

BRADFORD COUNTY ARTS COUNCIL

607 S MAIN ST
SAYRE,PA18840 		NONE   SHOW DONATION 250

CHEMUNG COUNTY HABITAT FOR HUMANITY

PO BOX 3110
ELMIRA,NY14903 		NONE   SUPPLIES & MATERIALS FOR A HOME BUILD 2,500

COBURN FREE LIBRARY

275 MAIN ST
OWEGO,NY13827 		NONE   DONATION FOR HVAC PROJECT 2,000

COOPER SAVES THE DAY INC

6 HI-OVER RD
BINGHAMTON,NY13901 		NONE   DONATION - EVENT 250

FAMILY & CHILDREN'S COUNSELING SERVICES

257 MAIN ST
BINGHAMTON,NY13905 		NONE   DONATION 1,000

FAMILY ENRICHMENT NETWORK INC

24 CHERRY ST
JOHNSON CITY,NY13790 		NONE   SPECIAL EDUCATION SERVICES 1,765

FENTON FREE LIBRARY

1062 CHENANGO ST
BINGHAMTON,NY13901 		NONE   ADPATIVE YOGA PROGRAM - DISABLED 1,000

FRIENDS OF HOSPICE OF TIOGA COUNTY

PO BOX 504
APALACHIN,NY13732 		NONE   BLUE JEANS DAY MATCH - TRACI'S HOPE 240

FRIENDS OF THE VESTAL PUBLIC LIBRARY

320 VESTAL PARKWAY EAST
VESTAL,NY13850 		NONE   DONATION 1,000

GREEK PEAK ADAPTIVE SNOWSPORTS

214 KENT AVE 261
ENDWELL,NY13760 		NONE   DONATION 500

GUTHRIE CANCER CENTER

1 GUTHRIE SQUARE
SAYRE,PA18840 		NONE   PINK OUT 4,942

HOPE FOUNDATION OF BINGHAMTON

1 CHRISFIELD AVE
JOHNSON CITY,NY13790 		NONE   WOMEN'S SHELTER HEATING SYSTEM 2,500

JOHNSON CITY SCHOOL DISTRICT

666 REYNOLDS RD
JOHNSON CITY,NY13790 		NONE   DOLLARS FOR SCHOLARS GOLF - SUSAN FARRELL 620

JOHNSON CITY YOUTH FOOTBALL LEAGUE

PO BOX 625
JOHNSON CITY,NY13790 		NONE   DONATION 100

MAINE EMERGENCY SQUAD

2658 MAIN STREET
MAINE,NY13802 		NONE   COMMUNITY EDUCATION DONATION 1,500

NORTH TIOGA CHAMBER OF COMMERCE

PO BOX 295 PARK ST
NEWARK VALLEY,NY13811 		NONE   SUMMER FEST 100

OAK HILL AVENUE IMPROVEMENT CORP

109 ODELL AVE
ENDICOTT,NY13760 		NONE   LITTLE ITALY GOLF HOLE 100

PROJECT NEIGHBOR FOOD PANTRY - NEWARK VALLEY

79 WHIG ST
NEWARK VALLEY,NY13811 		NONE   OWEGO ROTARY 100K DONATION 325

PUNISHERS APALACHIN NEW YORK CHAPTER INC

1308 HILTON RD
APALACHIN,NY13732 		NONE   BIKES & HELMETS FOR UNDERSERVED 1,000

RENEWAL RANCH INC

28 MAIN ST
OWEGO,NY13827 		NONE   DONATION TO ASSIST HOMELESS 500

SALVATION ARMY OF ITHACA

150 N ALBANY ST
ITHACA,NY14850 		NONE   HOLIDAY ASSISTANCE 250

SCIENCENTER

601 1ST ST
ITHACA,NY14850 		NONE   FAMILY SCIENCE NIGHT 250

SOUTHERN DOOR COMMUNITY LAND TRUST

133 MAIN ST
BINGHAMTON,NY13905 		NONE   DONATION 100

SPENCER HISTORICAL SOCIETY

22 CENTER ST
SPENCER,NY14883 		NONE   DONATION FOR COMPUTER SOFTWARE 500

SRAC

345 BROAD ST
WAVERLY,NY14892 		NONE   FURNACE REPAIR - BOARD EMERGENCY APPROVAL 2,500

S-VE SCHOOL DISTRICT

16 DARTTS CROSSROAD
SPENCER,NY14883 		NONE   FFA GOLF 75

THE SALVATION ARMY OF BINGHAMTON

131 WASHINGTON ST
BINGHAMTON,NY13901 		NONE   MOBILE FEEDING PROGRAM 2,500

TIOGA COUNTY FARM BUREAU

8 MURRAY ST
VAN ETTEN,NY14889 		NONE   DONATION TO 4-H & FFA PROGRAMS 500

TIOGA OPPORTUNITIES

9 SHELDON GUILE BLVD
OWEGO,NY13827 		NONE   COMMUNITY NIGHT 100

WHITNEY POINT CIVIC ASSOCIATION

PO BOX 95
LISLE,NY13797 		NONE   GOLF TOURNAMENT 100

WINTER SKY INDEPENDENT

59 MAIN ST
OWEGO,NY13827 		NONE   WINTERGUARD SEASON 50

YMCA OF BROOME COUNTY

61 SUSQUEHANNA ST
BINGHAMTON,NY13901 		NONE   GOLF 250
Total ................................. 3a 109,352
bApproved for future payment
Total ................................. 3b 0
Form 990-PF (2025)
Form 990-PF (2025)
Page 12
Part XV-A
Analysis of Income-Producing Activities
Enter gross amounts unless otherwise indicated. Unrelated business income Excluded by section 512, 513, or 514 (e)
Related or exempt
function income
(See instructions.)
1Program service revenue: (a)
Business code 		(b)
Amount 		(c)
Exclusion code 		(d)
Amount
a
b
c
d
e
f
gFees and contracts from government agencies          
2 Membership dues and assessments ....          
3 Interest on savings and temporary cash
investments ........... 		    14 39,324  
4 Dividends and interest from securities ....          
5 Net rental income or (loss) from real estate:
aDebt-financed property......          
bNot debt-financed property.....          
6 Net rental income or (loss) from personal property          
7 Other investment income .....          
8 Gain or (loss) from sales of assets other than
inventory ............ 		         
9 Net income or (loss) from special events:          
10 Gross profit or (loss) from sales of inventory          
11 Other revenue:
a
b
c
d
e
12 Subtotal. Add columns (b), (d), and (e) .. 0 39,324 0
13Total. Add line 12, columns (b), (d), and (e)..................
13
39,324
(See worksheet in line 13 instructions to verify calculations.)
Part XV-B
Relationship of Activities to the Accomplishment of Exempt Purposes
Line No.
DownArrow 		Explain below how each activity for which income is reported in column (e) of Part XV-A contributed importantly to
the accomplishment of the foundation’s exempt purposes (other than by providing funds for such purposes). (See
instructions.)
Form 990-PF (2025)
Form 990-PF (2025)
Page 13
Part XVI
Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations
1
Did the organization directly or indirectly engage in any of the following with any other organization described in section 501(c) (other than section 501(c)(3) organizations) or in section 527, relating to political organizations?
Yes
No
a
Transfers from the reporting foundation to a noncharitable exempt organization of:
(1) Cash...................................
1a(1)
 
No
(2) Other assets.................................
1a(2)
 
No
b
Other transactions:
(1) Sales of assets to a noncharitable exempt organization....................
1b(1)
 
No
(2) Purchases of assets from a noncharitable exempt organization..................
1b(2)
 
No
(3) Rental of facilities, equipment, or other assets.......................
1b(3)
 
No
(4) Reimbursement arrangements...........................
1b(4)
 
No
(5) Loans or loan guarantees.............................
1b(5)
 
No
(6) Performance of services or membership or fundraising solicitations................
1b(6)
 
No
c
Sharing of facilities, equipment, mailing lists, other assets, or paid employees..............
1c
 
No
d
If the answer to any of the above is "Yes," complete the following schedule. Column (b) should always show the fair market value
of the goods, other assets, or services given by the reporting foundation. If the foundation received less than fair market value
in any transaction or sharing arrangement, show in column (d) the value of the goods, other assets, or services received.
(a) Line No. (b) Amount involved (c) Name of noncharitable exempt organization (d) Description of transfers, transactions, and sharing arrangements
2a
Is the foundation directly or indirectly affiliated with, or related to, one or more tax-exempt organizations
described in section 501(c) (other than section 501(c)(3)) or in section 527? ...........
b
If "Yes," complete the following schedule.

(a) Name of organization (b) Type of organization (c) Description of relationship
Sign Here
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
May the IRS discuss this return
with the preparer shown below?
See instructions.
Signature of officer or trustee Date Title
Paid Preparer Use Only Preparer's name Preparer's Signature Date Check if self-
employed 		PTIN
Firm's name
Firm's EIN
Firm's address


Phone no.
Form 990-PF (2025)
Additional Data


Software ID:  
Software Version:  


Form 990PF - Special Condition Description:
Special Condition Description
Schedule B
(Form 990)
(Rev. January 2025)
Department of the Treasury
Internal Revenue Service
Schedule of Contributors

Attach to Form 990, 990-EZ, or 990-PF.
Go to www.irs.gov/Form990 for the latest information.
OMB No. 1545-0047
Name of the organization
THE TSB FOUNDATION INC
 
Employer identification number

82-3749132
Organization type (check one):
Filers of:
Section:
Form 990 or 990-EZ
501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization


Form 990-PF
501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation
Check if your organization is covered by the General Rule or a Special Rule.  
Note:  Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.
General Rule
For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or other property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.
Special Rules
For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 331/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.
For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.
For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Don't complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... $  
Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).
For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.
Cat. No. 30613XSchedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 2025) Page 2
Name of organization
THE TSB FOUNDATION INC
  		Employer identification number
82-3749132
Part I
Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
1
TIOGA STATE BANK
 
1 N MAIN STREET
 
SPENCER, NY14883

$ 208,598


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
Schedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 1-2025)
Page 3
Name of organization
THE TSB FOUNDATION INC
  		Employer identification number

82-3749132
Part II
Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
Schedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 1-2025)
Page 4
Name of organization
THE TSB FOUNDATION INC
  		Employer identification number

82-3749132
Part III
Exclusively religious, charitable, etc., contributions to organizations described in section 501(c) (7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $  
Use duplicate copies of Part III if additional space is needed.
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
Schedule B (Form 990) (Rev. 1-2025)
Additional Data


Software ID:  
Software Version:  

TY 2025 AccountingFeesSchedule
Name:
THE TSB FOUNDATION INC
EIN:
82-3749132
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
ACCOUNTING 3,000 0   3,000

TY 2025 OtherExpensesSchedule
Name:
THE TSB FOUNDATION INC
EIN:
82-3749132
Description Revenue and Expenses per Books Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
NYS FILING FEE 100 0   100
SOFTWARE EXPENSE 678 0   678


TY 2025 OtherProfessionalFeesSchedule
Name:
THE TSB FOUNDATION INC
EIN:
82-3749132
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
PROFESSIONAL SERVICES 1,647 0   1,647


TY 2025 TaxesSchedule
Name:
THE TSB FOUNDATION INC
EIN:
82-3749132
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
FEDERAL TAX 1,176 0   0