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
Unfavorable gap of $17.1M · efficiency ratio beats 39% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.44% | 0.82% | 1.25% | Beats 30% | 422 / 605 | |
| Return on Equity | 6.63% | 4.73% | 8.49% | 12.27% | Beats 38% | 377 / 604 | |
| Net Interest Margin | 2.84% | 2.67% | 3.19% | 3.72% | Beats 33% | 405 / 604 | |
| Efficiency Ratio | 76.57% | 60.42% | 71.67% | 83.77% | Beats 39% | 369 / 603 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.07% | 0.31% | 0.86% | Beats 34% | 368 / 553 | |
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.03% | 0.13% | Beats 17% | 462 / 553 | |
| Capital |
| Tier 1 Capital Ratio | 11.73% | 11.06% | 13.82% | 18.29% | Beats 32% | 413 / 604 | |
| Total Risk-Based Capital Ratio | 12.36% | 11.68% | 14.50% | 19.03% | Beats 32% | 413 / 604 | |
| Equity / Assets | 7.75% | 8.17% | 9.66% | 12.64% | Beats 20% | 484 / 604 | |
| Liquidity & Funding |
| Loans / Deposits | 91.89% | 63.55% | 78.98% | 91.89% | 75th pctl | 142 / 566 | |
| Loans / Assets | 79.19% | 56.22% | 68.51% | 77.12% | 81st pctl | 106 / 553 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |