York, SC · Cert 15104 · York Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
39
Profitability
75
Liquidity
0
Efficiency
88
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.
York, SC · Cert 15104 · York Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.1% share · #26 of 47 inst. · $0.3B of $432.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.91% | 1.83% | 1.58% | 1.70% | 1.78% | 1.72% | 1.64% | 1.73% | +3 bps | |
| Return on Equity | 17.92% | 17.00% | 13.88% | 14.63% | 14.98% | 14.46% | 13.38% | 14.02% | -61 bps | |
| Net Interest Margin | 4.50% | 4.42% | 4.15% | 4.18% | 4.17% | 4.20% | 3.95% | 3.97% | -21 bps | |
| Efficiency Ratio | 49.40% | 48.94% | 52.83% | 51.44% | 49.76% | 51.15% | 51.08% | 48.83% | -261 bps | |
| Non-Interest Burden | 2.04% | 1.98% | 2.03% | 1.97% | 1.89% | 1.98% | 1.84% | 1.74% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.10% | -1.42% | 0.93% | 3.13% | 2.24% | 1.47% | 4.33% | 5.40% | +227 bps | |
| Loan Growth (YoY) | 1.72% | 6.24% | 7.62% | 8.08% | 4.76% | 0.00% | 0.75% | -0.25% | -832 bps | |
| Deposit Growth (YoY) | -5.32% | -3.11% | -0.26% | 1.46% | 2.16% | 0.53% | 4.23% | 6.69% | +524 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.57% | 0.57% | 0.64% | 0.31% | 0.82% | 0.90% | 0.86% | +22 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.01% | 0.05% | 0.03% | 0.07% | 0.03% | 0.00% | -5 bps | |
| Allowance / Loans | 1.02% | 1.20% | 1.17% | 1.16% | 1.17% | 1.13% | 1.09% | 1.12% | -4 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.1x | 2.0x | 1.8x | 3.8x | 1.4x | 1.2x | 1.3x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 11.51% | 12.16% | 12.29% | 12.42% | 12.25% | 12.59% | 12.88% | +59 bps | |
| Total Risk-Based Capital | 31.71% | 30.45% | 30.86% | 32.75% | 33.67% | 32.98% | 33.42% | 35.12% | +237 bps | |
| Equity / Assets | 11.73% | 11.06% | 11.74% | 12.03% | 12.63% | 12.12% | 12.39% | 12.49% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.95% | 36.91% | 38.82% | 38.39% | 37.89% | 36.71% | 37.52% | 35.89% | -250 bps | |
| Liquid Assets / Assets | 47.70% | 49.94% | 49.93% | 50.71% | 49.96% | 51.84% | 51.88% | 54.12% | +341 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 118.69% | 117.96% | 119.18% | n/a | n/a | |
York, SC · Cert 15104 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · York Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.69%
Rank 112 of 746
Net Interest Margin
3.97%
Rank 257 of 746
Efficiency Ratio
48.83%
Rank 93 of 746
Equity / Assets
12.49%
Rank 217 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.69% | 0.72% | 1.06% | 1.45% | Beats 85% | 112 / 746 | ||
| Return on Equity | 13.55% | 6.74% | 10.51% | 13.63% | Beats 74% | 192 / 746 | ||
| Net Interest Margin | 3.97% | 3.17% | 3.68% | 4.16% | Beats 66% | 257 / 746 | ||
| Efficiency Ratio | 48.83% | 55.74% | 64.58% | 75.47% | Beats 88% | 93 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.09% | 0.42% | 1.07% | Beats 31% | 510 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 47% | 393 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 34.14% | 11.55% | 13.75% | 17.60% | Beats 96% | 29 / 746 | ||
| Total Risk-Based Capital Ratio | 35.12% | 11.71% | 14.33% | 18.43% | Beats 96% | 29 / 746 | ||
| Equity / Assets | 12.49% | 8.90% | 10.51% | 13.06% | Beats 71% | 217 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.89% | 61.31% | 78.27% | 90.78% | 4th pctl | 719 / 746 | ||
| Loans / Assets | 30.99% | 53.60% | 66.97% | 76.08% | 3rd pctl | 721 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||