Bank of York
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
$317.7MAssets
$98.4MLoans
$274.2MDeposits
$39.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets operating in a single state (rank 29 of 746).
- Widest gap: nonperforming loans / loans trails 69% of banks under $1B in assets operating in a single state (rank 510 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 88% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |