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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