Bank of York: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.18 percentage points lower than in Q1 2026, at 72.90%. Bank of York has the 2nd lowest loan-to-deposit ratio of the 44 banks headquartered in South Carolina, at 35.89% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, Bank of York reported 35.89% on loan-to-deposit ratio in Q2 2026, 45.05 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.4M |
| Net loans and leases | $97.3M |
| Loans held for sale | $0 |
| Loans to total assets | 30.99% |
| Loan-to-deposit ratio | 35.89% |
| Net loans to equity capital | 2.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.56% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.35% |
| Consumer | 5.52% |
| Credit cards | 1.01% |
| Farm | 1.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.90% |
| Construction concentration (Tier 1 capital + allowance) | 38.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.28% |
| Interest income on loans | $1.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $91.9M | $267.2M | 34.94% | 9.92% | 6.32% |
| Q4 2023 | $91.6M | $272.2M | 35.12% | 9.48% | 5.96% |
| Q1 2024 | $92.7M | $257.6M | 34.77% | 9.93% | 5.50% |
| Q2 2024 | $91.3M | $253.3M | 35.10% | 10.14% | 5.63% |
| Q3 2024 | $93.5M | $253.0M | 34.09% | 9.96% | 5.24% |
| Q4 2024 | $97.3M | $263.7M | 32.59% | 9.25% | 5.09% |
| Q1 2025 | $99.8M | $257.0M | 32.07% | 9.76% | 4.85% |
| Q2 2025 | $98.7M | $257.0M | 32.33% | 10.31% | 5.32% |
| Q3 2025 | $97.9M | $258.5M | 30.25% | 10.67% | 5.18% |
| Q4 2025 | $97.3M | $265.1M | 27.98% | 11.52% | 5.21% |
| Q1 2026 | $100.5M | $267.8M | 27.66% | 11.27% | 5.38% |
| Q2 2026 | $98.4M | $274.2M | 28.56% | 12.35% | 5.52% |
Bank of York loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of York, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of York profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15104) · FFIEC NIC profile (RSSD 922924)