Elmira NextChemung County’s business nexus, built from public records

Business pulse: Tioga County, NY

Tioga County, NY by the numbers, counted from the public records this site reads for it. The county’s page →

People
47,864
Median household income
$72,739
Unemployment rate
3.7% (August 2026)
Jobs in the county
12,947 (Q1 2026)
Employers
897
Average weekly wage
$1,393

Census Bureau (American Community Survey) and Bureau of Labor Statistics.

New in public records, by quarter

Businesses open today, counted by the quarter of their earliest dated public record (865 of the 1,296 have one). This county’s records are matched automatically and checked less closely than Chemung’s.

Openings and closings

QuarterFirst public recordConfirmed closedNet
2026 Q4 (so far)000
2026 Q3110+11
2026 Q2111+10
2026 Q1110+11
2025 Q4110+11
2025 Q390+9
2025 Q270+7
2025 Q170+7
2024 Q480+8

First public record: a new license, registration, filing or permit, so not always an opening day. Closings count once confirmed (from a public record, the business or a visit), in the quarter of the closing date when it’s known and otherwise the quarter it was confirmed; we began confirming them in October 2026, so quarters before that show few. The net is a rough guide.

New in the last 12 months, by kind

The largest kinds of business

Where they are

  • Owego324
  • Waverly122
  • Apalachin94
  • Candor53
  • Spencer45
  • Newark Valley43
  • Nichols42
  • Berkshire15
  • Richford11
  • Barton10
  • Tioga Center6
  • Endicott5

Businesses with a street address, by the town in it (the largest 12). Home-based businesses aren’t counted here.

Health care

277 nursing home beds.

Practices, clinics and facilities in the directory (individual practitioners are never listed). Beds: Medicare cost reports and nursing home records.

Liquor licenses

  • Restaurants, bars, clubs and hotels52
  • Stores (beer, wine or liquor to take home)39
  • Breweries, wineries and distilleries7

98 NYS Liquor Authority licenses in force at businesses in the directory.

Bank deposits at local branches

  • Tioga State Bank270 million 47%
  • Chemung Canal Trust Company153 million 26%
  • NBT Bank55 million 9%
  • Manufacturers and Traders Trust Company53 million 9%
  • Community Bank46 million 8%

$577.1 million held at 9 bank branches in the county, June 2026 (FDIC Summary of Deposits).

SBA-backed loans

  • 20263 loans $1.4 million
  • 20256 loans $1.8 million
  • 20244 loans $640,000
  • 20236 loans $793,500
  • 20226 loans $3.7 million
  • 20217 loans $1.9 million
  • 20204 loans $1.9 million
  • 20132 loans $254,000

41 7(a) and 504 loans to businesses here, $14.2 million in all, backing 280 jobs (the borrowers’ own estimates). 4 went to startups. U.S. Small Business Administration loan data; loans to individuals are left out.

SBA lenders

  • Manufacturers and Traders Trust Company17 loans $1.1 million
  • Chemung Canal Trust Company7 loans $1 million
  • BayFirst National Bank2 loans $272,500
  • Tioga State Bank, National Association2 loans $117,600
  • Celtic Bank1 loans $3.2 million
  • Live Oak Banking Company1 loans $1.5 million
  • Newtek Bank, National Association1 loans $500,000
  • Citizens & Northern Bank1 loans $152,800

A 504 loan counts under its certified development company.

Commercial property

TypeParcelsAcresFull market value
Retail, restaurants and shopping401388$119 million
Offices and banks4583$25.9 million
Auto and gas176431$38 million
Industrial and warehouses2003,954$531.3 million
Hotels, apartments and mobile home parks215857$272.3 million
Vacant commercial and industrial land271967$11.4 million
Other commercial32450$13.4 million

Commercial, industrial and vacant business parcels only (not homes), from the state’s public tax-parcel map. Market values are the assessor’s estimates.

Public money

IDA tax-break projects
19
Full-time jobs at those projects, before → latest report
2,988 → 3,702
At the 13 projects that estimated new jobs, jobs added since
+378 of 968 estimated
Their tax breaks this year: exemptions − PILOTs = net
$15.1 million − $7.4 million = $7.7 million
Empire State Development awards
$35.5 million (46)
Total project cost, including private investment
$141.7 million
New jobs at the awards that report progress: created so far of promised
80 of 35
Federal contracts to local businesses and organizations
$7.2 million (1)
Federal grants to local businesses and organizations
$6.4 million (10)
New homes and apartments permitted this year
108

State Authorities Budget Office (IDA reports), USAspending.gov, the county’s bid pages and the Census Bureau’s permit survey. Public projects → · Spending and market size → · Public budgets →

Food safety

Restaurants and food service with a recent inspection
70
No violations at the last inspection
25 (36%)
At least one critical violation
9 (13%)

New York State Department of Health (or the county health department).

What the county is known for

Wineries, breweries and distilleries
5

What we know about them

From the businesses’ own websites, state records and open map data. Browse Tioga County, NY’s businesses →