York, NE · Cert 16079 · York Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
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 | 1.49% | 1.43% | 1.59% | 1.64% | 1.78% | 1.98% | 2.19% | 1.94% | +31 bps | |
| Return on Equity | 10.47% | 9.86% | 10.81% | 10.77% | 11.39% | 12.59% | 14.15% | 12.50% | +173 bps | |
| Net Interest Margin | 3.43% | 3.51% | 3.63% | 3.78% | 3.95% | 4.00% | 4.45% | 3.96% | +19 bps | |
| Efficiency Ratio | 48.11% | 50.39% | 48.43% | 47.82% | 44.94% | 39.75% | 41.51% | 43.83% | -399 bps | |
| Non-Interest Burden | 1.40% | 1.53% | 1.51% | 1.56% | 1.50% | 1.32% | 1.55% | 1.46% | -10 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 | 0.01% | 0.28% | 0.09% | 0.10% | 0.02% | 0.09% | 0.05% | 0.12% | +2 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 | |