Evaluation of Job offer from a bank. Lowballed?

Received a verbal job offer from a major bank for a Sr. Analyst role. (actually the job posting was for an Associate level and went through the interview hoops thinking so). Offered TC : 75k/80k , Offered Bonus : 15k/20k. Location : West of Midwest/ so called upcoming techhub. Seriously feel lowballed given my current TC itself is higher than this. Asked for around 90K atleast. Any negotiation tips that can be helpful? Current TC : 87k(including paltry bonus), Midwest. YOE : 2 yrs.