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York Traditions Bank

York, PA · Cert 57377

FDIC · 8 branches

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=553 to 605). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q4 2024peer median (50)

Asset Quality

26

Q2 2024Q4 2024peer median (50)

Profitability

34

Q2 2024Q4 2024peer median (50)

Liquidity

39

Q2 2024Q4 2024peer median

Efficiency

39

Q2 2024Q4 2024peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

York Traditions Bank

York, PA · Cert 57377

FDIC · 8 branches

Q4 2024

$870.1MAssets
$689.0MLoans
$749.8MDeposits
$67.5MEquity
Loan mix
85%RE $396.0M15%C&I $68.4M0%Consumer $1.7MQ4 2023Q4 2024
Deposit mix
85%Interest-bearing $635.5M15%Noninterest $114.3MQ4 2023Q4 2024

NIM

3.53%Q4 ’224.68%Q4 ’235.24%Q4 ’24-6%-5%

Non-interest income vs. expense

3.12%Q4 ’222.90%Q4 ’232.79%Q4 ’24-2%-11%

Market Position · York-Hanover, PA · 2024 SOD (annual) · 7.1% share · #5 of 16 inst. · $0.7B of $9.8B

7.1% York
0.2% Lancaster

Executive Summary

  • Earnings: ROA of 0.52%, down 9 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.64% of loans (+5 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 9.02%, up 33 bps from a year ago.
  • Funding: loans stand at 91.89% of deposits as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

0.52%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-16 bps YoY

Efficiency Ratio (YTD, annualized)

76.57%-248 bps YoY

Tier 1 Leverage Ratio

9.02%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.61%0.66%0.77%0.46%0.52%-9 bps
Return on Equity8.30%8.69%10.00%5.93%6.77%-154 bps
Net Interest Margin3.00%2.76%2.77%2.77%2.84%-16 bps
Efficiency Ratio79.05%75.83%75.06%76.15%76.57%-248 bps
Non-Interest Burden2.23%1.89%1.86%1.91%1.99%-25 bps
Growth
Asset Growth (YoY)8.14%4.03%2.50%1.11%3.57%-457 bps
Loan Growth (YoY)11.08%7.57%3.23%2.43%1.92%-916 bps
Deposit Growth (YoY)8.69%3.11%6.39%5.00%2.55%-613 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.55%0.63%0.83%0.64%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.23%+23 bps
Allowance / Loans0.55%0.56%0.54%0.82%0.59%+4 bps
Allowance Coverage of NPLs0.9x1.0x0.9x1.0x0.9x0.0x
Capital
Tier 1 Leverage Ratio8.69%8.91%8.97%8.79%9.02%+33 bps
Total Risk-Based Capital12.11%12.21%12.23%12.22%12.36%+24 bps
Equity / Assets7.58%7.66%7.74%7.95%7.75%+17 bps
Liquidity & Funding
Loans / Deposits92.47%93.86%94.11%95.14%91.89%-57 bps
Liquid Assets / Assets0.91%0.27%1.06%0.48%4.32%+341 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

York Traditions Bank

York, PA · Cert 57377 · Peer group: banks under $1B in assets (n=553-605)

FDIC · 8 branches

Q4 2024

$870.1MAssets
$689.0MLoans
$749.8MDeposits
$67.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 39% of banks under $1B in assets (rank 369 of 603).
  • Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets (rank 462 of 553).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.51%

Rank 422 of 605

Net Interest Margin

2.84%

Rank 405 of 604

Efficiency Ratio

76.57%

Rank 369 of 603

Equity / Assets

7.75%

Rank 484 of 604

Non-interest income vs. expense

$7.0M$24.1MINCOMEEXPENSE
Unfavorable gap of $17.1M · efficiency ratio beats 39% of banks under $1B in assets
Bank 76.57%Peer median 71.7%Q2 2024Q4 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.44%0.82%1.25%Beats 30%422 / 605
Return on Equity6.63%4.73%8.49%12.27%Beats 38%377 / 604
Net Interest Margin2.84%2.67%3.19%3.72%Beats 33%405 / 604
Efficiency Ratio76.57%60.42%71.67%83.77%Beats 39%369 / 603
Asset Quality
Nonperforming Loans / Loans0.64%0.07%0.31%0.86%Beats 34%368 / 553
Net Charge-Offs / Loans0.23%0.00%0.03%0.13%Beats 17%462 / 553
Capital
Tier 1 Capital Ratio11.73%11.06%13.82%18.29%Beats 32%413 / 604
Total Risk-Based Capital Ratio12.36%11.68%14.50%19.03%Beats 32%413 / 604
Equity / Assets7.75%8.17%9.66%12.64%Beats 20%484 / 604
Liquidity & Funding
Loans / Deposits91.89%63.55%78.98%91.89%75th pctl142 / 566
Loans / Assets79.19%56.22%68.51%77.12%81st pctl106 / 553
Brokered Deposits / Depositsn/aNot reported for this institution