York State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks York State Bank of York, NE against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.93% | 1.34% | +0.59% | 83rd top |
| ROAE Behind the peer average, ahead of the median peer. | 12.50% | 13.32% | -0.82% | 51st above |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 43.72% | 61.13% | -17.41% | 91st top |
| PPNR / Avg Assets | 2.40% | 1.68% | +0.72% | 87th top |
| Yield on Earning Assets | 5.39% | 5.67% | -0.28% | 40th below |
| Cost of Funds | 1.31% | 1.88% | -0.57% | 79th top |
| Net Interest Spread | 3.62% | 3.32% | +0.30% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.94% | -0.74% | 64th above |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 17th bottom |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 593.13% | 1546.32% | -953.19% | 74th above |
| Texas Ratio | 0.93% | 7.34% | -6.41% | 73rd above |
| Provision / NCO | 0.00% | 1395.28% | -1395.28% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.97% | 19.48% | -0.51% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.97% | 19.52% | -0.55% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.03% | 20.60% | -0.57% | 74th above |
| Leverage Ratio | 13.92% | 12.14% | +1.78% | 81st top |
| Equity / Assets | 15.87% | 11.36% | +4.51% | 91st top |
| TCE / Tangible Assets | 13.67% | 11.08% | +2.59% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.02% | 80.66% | -2.64% | 56th above |
| Core Deposit Ratio | 93.50% | 86.85% | +6.65% | 77th top |
| Wholesale Funding Ratio | 0.20% | 5.04% | -4.84% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.32% | 6.84% | +0.48% | 71st above |
| Loan Growth (Y/Y) | 2.54% | 7.92% | -5.38% | 34th below |
| Deposit Growth (Y/Y) | 6.91% | 6.29% | +0.62% | 70th above |
See York State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock York State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full York State Bank profile, how to read a UBPR, or how this data updates.