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York State Bank

York, NE · Cert 16079 · York Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$200.2MAssets
$130.6MLoans
$167.4MDeposits
$31.8MEquity
Loan mix
65%RE $36.3M31%C&I $17.4M3%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $128.7M23%Noninterest $38.7MQ2 2025Q2 2026

NIM

4.64%Q2 ’244.87%Q2 ’254.98%Q2 ’26+7%+5%

Non-interest income vs. expense

1.75%Q2 ’241.93%Q2 ’251.88%Q2 ’26+15%-7%

Executive Summary

  • Earnings: ROA of 1.94%, up 31 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.20% of loans (-17 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 13.92%, up 23 bps from a year ago.
  • Funding: loans stand at 78.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.94%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+19 bps YoY

Efficiency Ratio (quarter, annualized)

43.83%-399 bps YoY

Tier 1 Leverage Ratio

13.92%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.78%1.98%2.19%1.94%+31 bps
Return on Equity10.77%11.39%12.59%14.15%12.50%+173 bps
Net Interest Margin3.78%3.95%4.00%4.45%3.96%+19 bps
Efficiency Ratio47.82%44.94%39.75%41.51%43.83%-399 bps
Non-Interest Burden1.56%1.50%1.32%1.55%1.46%-10 bps
Growth
Asset Growth (YoY)1.29%0.53%2.55%7.23%7.32%+603 bps
Loan Growth (YoY)-5.02%-0.76%4.09%3.72%2.54%+756 bps
Deposit Growth (YoY)0.28%0.10%1.18%6.67%6.91%+663 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.32%0.27%0.17%0.20%-17 bps
Net Charge-Offs / Loans0.10%0.02%0.09%0.05%0.12%+2 bps
Allowance / Loans1.20%1.14%1.16%1.20%1.19%-1 bps
Allowance Coverage of NPLs3.2x3.6x4.4x7.1x5.9x+2.7x
Capital
Tier 1 Leverage Ratio13.69%13.98%13.89%14.04%13.92%+23 bps
Total Risk-Based Capital18.39%17.62%17.92%19.02%20.03%+165 bps
Equity / Assets15.55%15.65%15.74%15.25%15.87%+32 bps
Liquidity & Funding
Loans / Deposits81.34%89.57%85.46%77.44%78.02%-332 bps
Liquid Assets / Assets9.60%6.01%7.75%16.35%11.76%+216 bps
CRE / Total Capitaln/a45.59%53.76%48.82%n/an/a