Bank of York
Total assets
$317.7M
▲ +5.4% YoY
Deposits
$274.2M
▲ +6.7% YoY
Loans
$97.3M
▼ -0.2% YoY
Offices
4
YORK BANCSHARES INC
ROA (annualized)
1.73%
peers 1.24%
ROE (annualized)
14.02%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank of York | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.7 pts |
| Loan growth (YoY) | -0.2% | +5.6% | -5.8 pts |
| ROA | 1.73% | 1.24% | +0.5 pts |
| ROE | 14.0% | 11.9% | +2.2 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
Profile
- Established
- 1935
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- YORK BANCSHARES INC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 13 Liberty St W, York, SC, 29745
- County
- York
- Metro area
- Charlotte-Concord-Gastonia, NC-SC
- Offices
- 4
- FDIC cert #
- 15104
- RSSD ID
- 922924
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $317.7M | $274.2M | $97.3M | $39.7M | $2.7M | 1.73% | 4.11% | 0.27% |
| Q1 2026 | $308.9M | $267.8M | $99.4M | $38.3M | $1.3M | 1.64% | 4.08% | 0.29% |
| Q4 2025 | $305.9M | $265.1M | $96.2M | $37.1M | $5.2M | 1.72% | 4.41% | 0.26% |
| Q3 2025 | $300.0M | $258.5M | $96.8M | $37.9M | $4.0M | 1.78% | 4.44% | 0.21% |
| Q2 2025 | $301.4M | $257.0M | $97.5M | $36.3M | $2.5M | 1.70% | 4.33% | 0.21% |
| Q1 2025 | $296.1M | $257.0M | $98.6M | $34.8M | $1.2M | 1.58% | 4.20% | 0.19% |
| Q4 2024 | $301.5M | $263.7M | $96.2M | $33.3M | $5.4M | 1.83% | 4.58% | 0.19% |
| Q3 2024 | $293.4M | $253.0M | $92.5M | $34.4M | $4.3M | 1.91% | 4.61% | 0.19% |
Loan mix (Q2 2026): real estate $81.0M · commercial $12.2M · consumer $5.4M · securities $37.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank of York | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.96% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 62.9% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of York | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of York | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of York | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of York | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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