York State Bank: 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: 114.87 percentage points lower than in Q1 2026, at 593.13%. Within Nebraska, York State Bank is 25th of 138 on return on assets, 1.93% as of Q2 2026, above the middle of the field. York State Bank's return on assets of 1.93% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.97% |
| Tier 1 risk-based capital ratio | 18.97% |
| Total risk-based capital ratio | 20.03% |
| Tier 1 leverage ratio | 13.92% |
| Equity capital to assets | 15.87% |
| Tangible equity to tangible assets | 13.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 0.93% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 593.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 12.50% |
| Net interest margin | 4.18% |
| Efficiency ratio | 43.72% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.02% |
| Core deposits to total deposits | 93.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.62% |
| Securities to assets | 16.01% |
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 | 13.47% | 13.47% | 14.51% | 11.30% | 1.55% |
| Q4 2023 | 13.53% | 13.53% | 14.54% | 11.33% | 1.39% |
| Q1 2024 | 14.48% | 14.48% | 15.49% | 11.88% | 1.55% |
| Q2 2024 | 15.06% | 15.06% | 16.09% | 12.46% | 1.61% |
| Q3 2024 | 15.21% | 15.21% | 16.24% | 12.87% | 1.48% |
| Q4 2024 | 16.10% | 16.10% | 17.13% | 13.13% | 1.43% |
| Q1 2025 | 16.76% | 16.76% | 17.80% | 13.22% | 1.58% |
| Q2 2025 | 17.33% | 17.33% | 18.39% | 13.69% | 1.64% |
| Q3 2025 | 16.60% | 16.60% | 17.62% | 13.98% | 1.78% |
| Q4 2025 | 16.89% | 16.89% | 17.92% | 13.89% | 1.95% |
| Q1 2026 | 17.96% | 17.96% | 19.02% | 14.04% | 2.21% |
| Q2 2026 | 18.97% | 18.97% | 20.03% | 13.92% | 1.93% |
York State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock York State Bank, 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 York State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16079) · FFIEC NIC profile (RSSD 731050)