BlastPoint's Banking Scorecard
Bank of York
York, SC
4 branches across SC
Bank of York has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 19.93% above tier average
- + ROA 0.37% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 14.20% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10.0% in tier
- - Liquidity Overhang: Bottom 48.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$308.9M
+4.3% YoY
+1.0% QoQ
|
-$77.2M |
$386.1M
+0.5% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$99.4M
+0.8% YoY
+3.3% QoQ
|
-$156.3M |
$255.7M
+1.1% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$267.8M
+4.2% YoY
+1.0% QoQ
|
-$60.1M |
$328.0M
+0.1% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
1.64%
+3.6% YoY
-4.8% QoQ
|
+0.37% |
1.27%
+12.9% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
4.08%
-2.8% YoY
-7.4% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
51.08%
-3.3% YoY
-0.1% QoQ
|
-14.20% |
65.29%
-4.5% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.91%
+57.1% YoY
+8.9% QoQ
|
+0.02% |
0.89%
+18.8% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
37.11%
-3.3% YoY
+2.2% QoQ
|
-39.52% |
76.64%
+0.8% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 3.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.95%
+4.9% YoY
+2.9% QoQ
|
+19.93% |
22.02%
-1.0% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
Top 3.7% in tier |
| Nonperforming Asset Ratio ? |
0.29%
+51.9% YoY
+11.4% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
32.46%
+8.8% YoY
+1.5% QoQ
|
+16.63% |
15.83%
+1.5% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
Top 3.0% in tier |
| Non-Interest Income / Assets ? |
0.09%
+6.7% YoY
-73.1% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
47% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.