York State Bank
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Data as of · sourced from FFIEC call reports. How we update
York State Bank is an FDIC-insured commercial bank headquartered in York, NE, established in 1943 (FDIC certificate 16079), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $200.2M, up 7.3% from Q2 2025, the 79th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 18.97% 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
- 16079
- Headquarters
- York, NE
- Established
- 1943
- Total assets, Q2 2026
- $200.2M
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 18.97%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104913491
- Latest call report
- Q2 2026, FFIEC 051 · York State Bank call report
- Holding company
- YORK HOLDINGS, INC.
- Asset rank in state
- 79th of 138 in Nebraska
York State Bank runs leaner than most banks of its size. The York, Nebraska bank had $200 million in assets at June 30, 2026, up 7.3% from a year earlier. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds commercial real estate loans equal to only 38% of its capital, about a third the median of 1.2 times for banks its size.
Net income for the quarter rose 27% from a year earlier, to $983,000. The commercial and industrial book ($18 million) is worsening: 1.36% of it is past due or on nonaccrual, up from 0.15% a year earlier.
As of June 30, 2026, York State Bank reported a CET1 capital ratio of 18.97%, a return on assets of 1.93%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 0.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, York State Bank is the 79th largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets fell 2.0% to $200.2M, loans fell 1.9% and deposits fell 2.6%. Its loan book on June 30, 2026 was led by agricultural production loans, at 56.6% of total loans, followed by commercial and industrial loans at 13.7%. The FDIC Summary of Deposits lists 4 offices for it, in York, NE, Geneva, NE and Gresham, NE; its York 2 offices book 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, York State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 700 N Lincoln Ave, York, NE 68467
- County
- York
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1943
- Former names
- York State Bank and Trust Company (1976-2011)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $167.4M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $55K
- Average total assets
- $203.9M
- Average total loans
- $132.4M
- Average interest-bearing deposits
- $133.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 15, 1943
- FDIC Cert
- 16079
- Fed RSSD
- 731050
- Website
- www.yorkstatebank.com →
- Parent Holding Company
- YORK HOLDINGS, INC. (RSSD 4771997)
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, York State Bank's total assets ranged from $184.1M (Q2 2024) to $204.2M (Q1 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
$200.2M total assets against $186.5M; $168.4M total liabilities against $157.5M.
$129.0M net loans and leases against $125.8M; $167.4M total deposits against $156.6M.
$32.0M securities against $31.3M; $24.0M cash and balances due against $15.9M.
$2.5M total interest income against $2.3M; $572K total interest expense against $565K.
$2.0M net interest income against $1.7M.
$212K total noninterest income against $175K; $956K total noninterest expense against $910K.
$0 provision for credit losses against $30K.
$983K net income against $772K.
1.93% return on assets against 1.64%; 4.18% net interest margin against 3.97%.
18.97% CET1 capital ratio against 17.33%; 13.92% tier 1 leverage ratio against 13.69%.
Inside the full York State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeYork State Bank rankings
Its closest position to the top of a national ranking is 363 of 3,606, for efficiency ratio; its furthest is 2,713 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.43% (Q4 2024) to 2.21% (Q1 2026) and its net interest margin ran from 3.60% (Q3 2024) to 4.71% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.97% | 1.93% | 0.20% | 0.93% | 4.18% |
| Q1 2026 | 17.96% | 2.21% | 0.17% | 0.81% | 4.71% |
| Q4 2025 | 16.89% | 1.95% | 0.27% | 1.37% | 4.18% |
| Q3 2025 | 16.60% | 1.78% | 0.32% | 1.67% | 4.16% |
| Q2 2025 | 17.33% | 1.64% | 0.37% | 1.86% | 3.97% |
| Q1 2025 | 16.76% | 1.58% | 0.25% | 1.31% | 3.84% |
| Q4 2024 | 16.10% | 1.43% | 0.37% | 2.08% | 3.71% |
| Q3 2024 | 15.21% | 1.48% | 0.61% | 3.59% | 3.60% |
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 |
|---|---|---|---|
| York State Bank (main office) | York , NE | 68467 | $87.8M |
| G Street Branch | Geneva , NE | 68361 | $62.1M |
| Gresham Branch | Gresham , NE | 68367 | $17.5M |
| Detached Tellers' Branch | York , NE | 68467 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1995 | Structure Change | Acquired Harlan County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1986 | Structure Change | Acquired Gresham State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 1986 | Structure Change | Acquired Fillmore County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 17, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 1984 | Structure Change | Acquired First York Savings Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 85 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $632K approved, $316K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 York State Bank
What are York State Bank's total assets?
As of the Q2 2026 filing, York State Bank reported total assets of $200.2 million in its FFIEC call report.
Where is York State Bank headquartered?
It is headquartered in York, NE, United States.
When was York State Bank founded?
It was established in 1943, per the FDIC institution directory.
Is York State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates York State Bank?
York State Bank's primary federal regulator is the FDIC.
What is York State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does York State Bank 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 York State Bank's Texas Ratio?
Its Texas Ratio is 0.93% 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.
What was York State Bank previously called?
The charter now named York State Bank has also operated as York State Bank and Trust Company (1976-2011), per FDIC structure-change records.
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