York, NE · Cert 16079 · York Holdings 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 in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
33
Profitability
82
Liquidity
81
Efficiency
93
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, NE · Cert 16079 · York Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
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 | 1.55% | 1.52% | 1.59% | 1.62% | 1.67% | 1.74% | 2.19% | 2.08% | +46 bps | |
| Return on Equity | 11.34% | 10.98% | 10.81% | 10.79% | 11.00% | 11.41% | 14.15% | 13.32% | +253 bps | |
| Net Interest Margin | 3.50% | 3.48% | 3.63% | 3.73% | 3.80% | 3.76% | 4.45% | 4.13% | +40 bps | |
| Efficiency Ratio | 46.99% | 47.85% | 48.43% | 48.12% | 47.02% | 45.10% | 41.51% | 42.63% | -549 bps | |
| Non-Interest Burden | 1.39% | 1.41% | 1.51% | 1.55% | 1.53% | 1.45% | 1.55% | 1.48% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.87% | -1.30% | 1.83% | 1.29% | 0.53% | 2.55% | 7.23% | 7.32% | +603 bps | |
| Loan Growth (YoY) | 1.74% | -3.37% | -3.92% | -5.02% | -0.76% | 4.09% | 3.72% | 2.54% | +756 bps | |
| Deposit Growth (YoY) | -5.08% | -3.38% | 0.12% | 0.28% | 0.10% | 1.18% | 6.67% | 6.91% | +663 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.37% | 0.25% | 0.37% | 0.32% | 0.27% | 0.17% | 0.20% | -17 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.14% | 0.09% | 0.10% | 0.07% | 0.07% | 0.05% | 0.08% | -1 bps | |
| Allowance / Loans | 1.14% | 1.16% | 1.20% | 1.20% | 1.14% | 1.16% | 1.20% | 1.19% | -1 bps | |
| Allowance Coverage of NPLs | 1.9x | 3.1x | 4.7x | 3.2x | 3.6x | 4.4x | 7.1x | 5.9x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.87% | 13.13% | 13.22% | 13.69% | 13.98% | 13.89% | 14.04% | 13.92% | +23 bps | |
| Total Risk-Based Capital | 16.24% | 17.13% | 17.80% | 18.39% | 17.62% | 17.92% | 19.02% | 20.03% | +165 bps | |
| Equity / Assets | 14.42% | 14.60% | 14.87% | 15.55% | 15.65% | 15.74% | 15.25% | 15.87% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.35% | 83.07% | 79.64% | 81.34% | 89.57% | 85.46% | 77.44% | 78.02% | -332 bps | |
| Liquid Assets / Assets | 4.47% | 6.74% | 9.71% | 9.60% | 6.01% | 7.75% | 16.35% | 11.76% | +216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 45.59% | 53.76% | 48.82% | n/a | n/a | |
York, NE · Cert 16079 · Peer group: banks under $1B in assets in NE (n=83) · York Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
2.07%
Rank 8 of 83
Net Interest Margin
4.13%
Rank 14 of 83
Efficiency Ratio
42.63%
Rank 7 of 83
Equity / Assets
15.87%
Rank 11 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.07% | 0.93% | 1.20% | 1.51% | Beats 90% | 8 / 83 | ||
| Return on Equity | 13.05% | 8.04% | 10.34% | 13.11% | Beats 73% | 22 / 83 | ||
| Net Interest Margin | 4.13% | 3.25% | 3.62% | 4.02% | Beats 83% | 14 / 83 | ||
| Efficiency Ratio | 42.63% | 51.13% | 59.95% | 67.19% | Beats 93% | 7 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.00% | 0.19% | 0.96% | Beats 48% | 44 / 83 | ||
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.02% | Beats 17% | 70 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.97% | 10.94% | 13.24% | 16.62% | Beats 84% | 13 / 83 | ||
| Total Risk-Based Capital Ratio | 20.03% | 11.04% | 13.54% | 17.63% | Beats 86% | 12 / 83 | ||
| Equity / Assets | 15.87% | 9.90% | 11.31% | 13.84% | Beats 87% | 11 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.02% | 71.97% | 83.15% | 92.22% | 36th pctl | 53 / 83 | ||
| Loans / Assets | 65.24% | 57.96% | 69.15% | 77.64% | 37th pctl | 52 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||