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Bank of York

York, SC · Cert 15104 · York Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of York

York, SC · Cert 15104 · York Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$317.7MAssets
$98.4MLoans
$274.2MDeposits
$39.7MEquity
Loan mix
83%RE $83.9M11%C&I $11.3M5%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $159.8M42%Noninterest $114.4MQ2 2025Q2 2026

NIM

5.07%Q2 ’244.74%Q2 ’254.50%Q2 ’26-8%-5%

Non-interest income vs. expense

2.43%Q2 ’242.33%Q2 ’252.13%Q2 ’26-3%-12%

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.1% share · #26 of 47 inst. · $0.3B of $432.7B

Executive Summary

  • Earnings: ROA of 1.73%, up 3 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.86% of loans (+22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.88%, up 59 bps from a year ago.
  • Funding: loans stand at 35.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.73%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-21 bps YoY

Efficiency Ratio (YTD, annualized)

48.83%-261 bps YoY

Tier 1 Leverage Ratio

12.88%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.78%1.72%1.64%1.73%+3 bps
Return on Equity14.63%14.98%14.46%13.38%14.02%-61 bps
Net Interest Margin4.18%4.17%4.20%3.95%3.97%-21 bps
Efficiency Ratio51.44%49.76%51.15%51.08%48.83%-261 bps
Non-Interest Burden1.97%1.89%1.98%1.84%1.74%-24 bps
Growth
Asset Growth (YoY)3.13%2.24%1.47%4.33%5.40%+227 bps
Loan Growth (YoY)8.08%4.76%0.00%0.75%-0.25%-832 bps
Deposit Growth (YoY)1.46%2.16%0.53%4.23%6.69%+524 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.31%0.82%0.90%0.86%+22 bps
Net Charge-Offs / Loans0.05%0.03%0.07%0.03%0.00%-5 bps
Allowance / Loans1.16%1.17%1.13%1.09%1.12%-4 bps
Allowance Coverage of NPLs1.8x3.8x1.4x1.2x1.3x-0.5x
Capital
Tier 1 Leverage Ratio12.29%12.42%12.25%12.59%12.88%+59 bps
Total Risk-Based Capital32.75%33.67%32.98%33.42%35.12%+237 bps
Equity / Assets12.03%12.63%12.12%12.39%12.49%+45 bps
Liquidity & Funding
Loans / Deposits38.39%37.89%36.71%37.52%35.89%-250 bps
Liquid Assets / Assets50.71%49.96%51.84%51.88%54.12%+341 bps
CRE / Total Capitaln/a118.69%117.96%119.18%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of York

York, SC · Cert 15104 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · York Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$317.7MAssets
$98.4MLoans
$274.2MDeposits
$39.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 95% of banks under $1B in assets operating in a single state (rank 35 of 755).
  • Widest gap: nonperforming loans / loans trails 69% of banks under $1B in assets operating in a single state (rank 516 of 751).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.69%

Rank 117 of 755

Net Interest Margin

3.97%

Rank 260 of 755

Efficiency Ratio

48.83%

Rank 97 of 755

Equity / Assets

12.49%

Rank 224 of 755

Non-interest income vs. expense

$1.2M$6.6MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 87% of banks under $1B in assets operating in a single state
Bank 48.83%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.69%0.72%1.06%1.45%Beats 85%117 / 755
Return on Equity13.55%6.66%10.44%13.61%Beats 75%192 / 755
Net Interest Margin3.97%3.15%3.68%4.17%Beats 66%260 / 755
Efficiency Ratio48.83%55.75%64.78%75.61%Beats 87%97 / 755
Asset Quality
Nonperforming Loans / Loans0.86%0.09%0.42%1.05%Beats 31%516 / 751
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 49%386 / 751
Capital
Tier 1 Capital Ratio34.14%11.56%13.81%17.74%Beats 95%35 / 755
Total Risk-Based Capital Ratio35.12%11.72%14.46%18.53%Beats 95%35 / 755
Equity / Assets12.49%8.93%10.56%13.13%Beats 70%224 / 755
Liquidity & Funding
Loans / Deposits35.89%62.43%78.62%91.00%3rd pctl730 / 755
Loans / Assets30.99%54.70%67.27%76.55%3rd pctl732 / 755
Brokered Deposits / Depositsn/aNot reported for this institution