BANK OF YORK

YORK, SC | Small | Est. April 15, 1935, midnight | FDIC #15104 | RSSD #922924 | FDIC
Latest Report: 2025-12-31

BANK OF YORK is asn small FDIC-insured commercial bank headquartered in YORK, SC, established in April 15, 1935, midnight. As of 2025-12-31, the bank reported total assets of $306M and total deposits of $265M. Profitability stands at 1.57% ROA and 12.70% ROE, with a net interest margin of 4.57%. The bank's CET1 capital ratio is 32.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.82% and a Texas Ratio of 2.10%. FDIC Certificate #15104.

Assets

$306M

Deposits

$265M

Loans

$97M

Equity

$37M

Profitability

Return on Assets (ROA) 1.57%
Return on Equity (ROE) 12.70%
Net Interest Margin (NIM) 4.57%
Yield on Assets 5.16%
Cost of Funds 0.63%

Asset Quality

NPL Ratio 0.82%
Net Charge-Off Ratio 0.07%
Texas Ratio 2.10%
NPA Ratio 0.26%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 32.00%
Tier 1 Capital 32.00%
Total Capital Ratio 32.98%
Leverage Ratio 12.25%
Loan-to-Deposit 36.71%

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