York State Bank
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
$200.2MAssets
$130.6MLoans
$167.4MDeposits
$31.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets in NE (rank 7 of 83).
- Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets in NE (rank 70 of 83).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 93% of banks under $1B in assets in NE | 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 |