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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.98% | 1.59% | 1.58% | 1.82% | 1.93% | 1.57% | 1.64% | 1.82% | 0 bps | |
| Return on Equity | 17.40% | 13.98% | 13.88% | 15.35% | 15.65% | 12.70% | 13.38% | 14.65% | -70 bps | |
| Net Interest Margin | 4.50% | 4.39% | 4.15% | 4.31% | 4.38% | 4.18% | 3.95% | 4.04% | -27 bps | |
| Efficiency Ratio | 49.38% | 47.53% | 52.83% | 50.14% | 46.64% | 55.41% | 51.08% | 46.67% | -347 bps | |
| Non-Interest Burden | 2.05% | 1.91% | 2.03% | 1.98% | 1.84% | 2.19% | 1.84% | 1.66% | -31 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 | -0.02% | 0.13% | 0.01% | 0.09% | 0.00% | 0.17% | 0.03% | -0.02% | -11 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 | |