Bank of York
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Data as of · sourced from FFIEC call reports. How we update
Bank of York is an FDIC-insured commercial bank headquartered in York, SC, established in 1935 (FDIC certificate 15104), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $317.7M, up 5.4% from Q2 2025, the 29th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 34.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15104
- Headquarters
- York, SC
- Established
- 1935
- Total assets, Q2 2026
- $317.7M
- Assets vs Q2 2025
- +5.4%
- CET1 ratio, Q2 2026
- 34.14%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 053207106
- Latest call report
- Q2 2026, FFIEC 051 · Bank of York call report
- Holding company
- YORK BANCSHARES, INC.
- Asset rank in state
- 29th of 43 in South Carolina
Bank of York, based in York, South Carolina, reported $318 million in assets at June 30, 2026, up 5.4% from a year earlier. It pays an average of 0.60% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 34.14% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 0.2% and deposits rose 6.7%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.86% of loans from 0.64% a year earlier.
As of June 30, 2026, Bank of York reported a CET1 capital ratio of 34.14%, a return on assets of 1.83%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 2.08%. The figures come from its call report filed with the FFIEC.
Bank of York ranks as the 29th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.8% to $317.7M, loans fell 2.1% and deposits rose 2.4%. 1-4 family residential loans made up 35.8% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 16.0%. The FDIC Summary of Deposits lists 4 offices for it, in York, SC, Lake Wylie, SC and Rock Hill, SC; its York 2 offices book 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of York meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 13 Liberty St W, York, SC 29745
- County
- York
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 15, 1935
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $274.2M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $311.1M
- Average total loans
- $97.6M
- Average interest-bearing deposits
- $163.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 1935
- FDIC Cert
- 15104
- Fed RSSD
- 922924
- Website
- www.bankofyork.com →
- Parent Holding Company
- YORK BANCSHARES, INC. (RSSD 1076208)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of York's total assets ranged from $292.3M (Q2 2024) to $317.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$317.7M total assets against $301.4M; $278.0M total liabilities against $265.1M.
$97.3M net loans and leases against $97.5M; $274.2M total deposits against $257.0M.
$37.9M securities against $40.4M; $174.1M cash and balances due against $155.0M.
$3.6M total interest income against $3.7M; $422K total interest expense against $440K.
$3.1M net interest income against $3.2M.
$324K total noninterest income against $281K; $1.6M total noninterest expense against $1.8M.
$0 provision for credit losses against $0.
$1.4M net income against $1.4M.
1.83% return on assets against 1.82%; 4.23% net interest margin against 4.49%.
34.14% CET1 capital ratio against 31.72%; 12.88% tier 1 leverage ratio against 12.29%.
Inside the full Bank of York terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 46 of 2,134, for CET1 ratio; its furthest is 2,234 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.56% (Q4 2025) to 1.98% (Q3 2024) and its net interest margin ran from 4.13% (Q1 2026) to 4.69% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 34.14% | 1.83% | 0.86% | 2.08% | 4.23% |
| Q1 2026 | 32.46% | 1.64% | 0.90% | 2.29% | 4.13% |
| Q4 2025 | 32.00% | 1.56% | 0.82% | 2.10% | 4.35% |
| Q3 2025 | 32.66% | 1.88% | 0.31% | 1.61% | 4.58% |
| Q2 2025 | 31.72% | 1.82% | 0.64% | 1.69% | 4.49% |
| Q1 2025 | 29.84% | 1.62% | 0.57% | 1.59% | 4.33% |
| Q4 2024 | 29.41% | 1.59% | 0.57% | 1.62% | 4.57% |
| Q3 2024 | 30.84% | 1.98% | 0.61% | 1.60% | 4.69% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of York (main office) | York , SC | 29745 | $173.3M |
| Bethel-Lake Wylie Branch | Lake Wylie , SC | 29710 | $41.1M |
| Rock Hill Branch Newport | Rock Hill , SC | 29732 | $36.0M |
| East Liberty Street Branch | York , SC | 29745 | $23.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 14, 2006, Federal Reserve: Cease and Desist Order: Bank of York, York, AL
- Period: Most recent institution action August 14, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in SC, rank 47 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 51 applications, 42 loans originated, $5.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of York
What are Bank of York's total assets?
As of the Q2 2026 filing, Bank of York reported total assets of $317.7 million in its FFIEC call report.
Where is Bank of York headquartered?
It is headquartered in York, SC, United States.
When was Bank of York founded?
It was established in 1935, per the FDIC institution directory.
Is Bank of York FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15104). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of York?
Bank of York's primary federal regulator is the FDIC.
What is Bank of York's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 34.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of York operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of York's Texas Ratio?
Its Texas Ratio is 2.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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