YORK STATE BANK

YORK, NE | Small | Est. July 1, 1943, midnight | FDIC #16079 | RSSD #731050 | FDIC
Latest Report: 2025-12-31

YORK STATE BANK is asn small FDIC-insured commercial bank headquartered in YORK, NE, established in July 1, 1943, midnight. As of 2025-12-31, the bank reported total assets of $194M and total deposits of $162M. Profitability stands at 1.98% ROA and 12.59% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 16.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.15%. FDIC Certificate #16079.

Assets

$194M

Deposits

$162M

Loans

$139M

Equity

$30M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 12.59%
Net Interest Margin (NIM) 4.29%
Yield on Assets 5.61%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.15%
NPA Ratio 0.19%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 16.89%
Tier 1 Capital 16.89%
Total Capital Ratio 17.92%
Leverage Ratio 13.89%
Loan-to-Deposit 85.46%

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