| Metric | York State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +6.9% | +4.0% | +3.0 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 2.08% | 1.24% | +0.8 pts |
| ROE | 13.3% | 11.9% | +1.5 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $200.2M | $167.4M | $129.0M | $31.8M | $2.1M | 2.08% | 4.52% | 0.13% |
| Q1 2026 | $204.2M | $171.9M | $131.5M | $31.1M | $1.1M | 2.19% | 4.71% | 0.11% |
| Q4 2025 | $193.6M | $162.1M | $137.0M | $30.5M | $3.3M | 1.74% | 4.11% | 0.19% |
| Q3 2025 | $189.8M | $153.8M | $136.2M | $29.7M | $2.4M | 1.67% | 4.05% | 0.23% |
| Q2 2025 | $186.5M | $156.6M | $125.8M | $29.0M | $1.5M | 1.62% | 3.98% | 0.25% |
| Q1 2025 | $190.4M | $161.1M | $126.8M | $28.3M | $755K | 1.59% | 3.93% | 0.17% |
| Q4 2024 | $188.8M | $160.3M | $131.6M | $27.6M | $2.9M | 1.52% | 3.74% | 0.26% |
| Q3 2024 | $188.8M | $153.7M | $137.2M | $27.2M | $2.2M | 1.55% | 3.74% | 0.45% |
Loan mix (Q2 2026): real estate $37.1M · commercial $17.8M · consumer $1.7M · securities $32.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | York State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.6% | 62.9% | 6th |
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% |
| Ratio | York State Bank | 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% |
| Ratio | York State Bank | 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% |
| Ratio | York State Bank | 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% |
| Ratio | York State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.