Bank of York: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.74 percentage points higher than in Q1 2026, at 119.37%. Among 44 South Carolina banks, Bank of York sits 4th from the top on return on assets, 1.83% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of York sits 0.58 points higher, at 1.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 34.14% |
| Tier 1 risk-based capital ratio | 34.14% |
| Total risk-based capital ratio | 35.12% |
| Tier 1 leverage ratio | 12.88% |
| Equity capital to assets | 12.49% |
| Tangible equity to tangible assets | 12.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 2.29% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 119.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 14.65% |
| Net interest margin | 4.23% |
| Efficiency ratio | 46.45% |
| Yield on earning assets | 4.79% |
| Cost of funds | 0.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.89% |
| Core deposits to total deposits | 95.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.32% |
| Securities to assets | 11.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 30.85% | 30.85% | 31.72% | 10.85% | 1.96% |
| Q4 2023 | 28.32% | 28.32% | 29.26% | 10.24% | 1.68% |
| Q1 2024 | 28.86% | 28.86% | 29.77% | 10.89% | 1.66% |
| Q2 2024 | 30.31% | 30.31% | 31.20% | 11.54% | 2.17% |
| Q3 2024 | 30.84% | 30.84% | 31.71% | 11.97% | 1.98% |
| Q4 2024 | 29.41% | 29.41% | 30.45% | 11.51% | 1.59% |
| Q1 2025 | 29.84% | 29.84% | 30.86% | 12.16% | 1.62% |
| Q2 2025 | 31.72% | 31.72% | 32.75% | 12.29% | 1.82% |
| Q3 2025 | 32.66% | 32.66% | 33.67% | 12.42% | 1.88% |
| Q4 2025 | 32.00% | 32.00% | 32.98% | 12.25% | 1.56% |
| Q1 2026 | 32.46% | 32.46% | 33.42% | 12.59% | 1.64% |
| Q2 2026 | 34.14% | 34.14% | 35.12% | 12.88% | 1.83% |
Bank of York vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of York, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)