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Bank of York

$100M-$1B Specialty: Other SC FDIC cert 15104

York, SC

4 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
  • Deposits +6.7% year over year ($274.2M on the books).
  • Delinquency rate 0.87%.
  • Return on assets 1.73%.
  • Efficiency ratio 48.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 35.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

Bank of York has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 19.70% above tier average
  • + ROA 0.41% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Efficiency Ratio 15.65% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 47.7% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
Get updates when Bank of York releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $317.7M
+5.4% YoY +2.8% QoQ
-$68.9M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $97.3M
-0.2% YoY -2.1% QoQ
-$161.0M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $274.2M
+6.7% YoY +2.4% QoQ
-$52.5M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.73%
+1.8% YoY +5.5% QoQ
+0.41% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 4.11%
-5.0% YoY +0.7% QoQ
+0.12% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 48.83%
-5.1% YoY -4.4% QoQ
-15.65% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
Top 14.6% in tier
Delinquency Rate ? 0.87%
+34.7% YoY -4.1% QoQ
-0.05% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 35.49%
-6.5% YoY -4.4% QoQ
-42.46% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
Top 2.8% in tier
Non-Interest-Bearing Deposit Share ? 41.73%
-1.5% YoY -0.5% QoQ
+19.70% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
Top 3.6% in tier
Nonperforming Asset Ratio ? 0.27%
+27.5% YoY -8.7% QoQ
-0.40% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 34.14%
+7.6% YoY +5.2% QoQ
+18.23% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
Top 2.7% in tier
Non-Interest Income / Assets ? 0.19%
+7.6% YoY +107.4% QoQ
-0.37% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Noninterest-Bearing 41.7%
-0.6pp YoY
-0.2pp QoQ
 +19.6pp 22.1% 21.7% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 12.5%
+2.1pp YoY
+1.1pp QoQ
 +1.0pp 11.6% 9.8% 12.5% 66%
CRE n/a n/a 39.5% 43.3% 41.4% n/a
1-4 Family 36.2%
+1.1pp YoY
+0.2pp QoQ
 +3.6pp 32.6% 44.4% 31.3% 64%
Consumer 5.6%
+0.2pp YoY
+0.1pp QoQ
 +1.5pp 4.1% 4.5% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 34.1%
+2.4pp YoY
+1.7pp QoQ
 +15.3pp 18.8% 18.1% 19.7% 95%
Leverage Ratio 12.9%
+0.6pp YoY
+0.3pp QoQ
 +0.7pp 12.2% 12.3% 12.6% 74%
Total Capital Ratio 35.1%
+2.4pp YoY
+1.7pp QoQ
 +15.2pp 19.9% 19.1% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 34
-3 (-8.1%) YoY
0 QoQ
 -25 58 174 482 33%
Assets per Employee ($) $9.3M
+14.7% YoY
+2.8% QoQ
 +$1.8M $7.5M $7.8M $8.8M 82%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.4% 16%
Nonaccrual 0.9%
+0.2pp YoY
0.0pp QoQ
 -0.1pp 0.9% 0.5% 1.0% 68%
Allowance Coverage 1.30x
-28.3% YoY
+7.1% QoQ
 -22.85x 24.15x 15.59x 20.23x 35%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 14.0%
-0.6pp YoY
+0.6pp QoQ
 +1.8pp 12.2% 11.7% 11.6% 62%
Cost of Funds (YTD) 0.5%
0.0pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.6% 1.7% 2%
Net Income ($, YTD) $2.7M
+5.6% YoY
— QoQ
 +$132K $2.6M $9.6M $40.4M 65%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#600 of 1256 • Bottom 47.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.87%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#372 of 742 • Bottom 50.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 34.14%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 35.49%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

73
Tier 1 Capital Ratio
capital
Value: 34.14%
Peer Median: 15.91%
#73 of 2643 Top 2.7% in $100M-$1B
76
Loan-to-Deposit Ratio
liquidity
Value: 35.49%
Peer Median: 77.95%
#76 of 2643 Top 2.8% in $100M-$1B
97
Non-Interest-Bearing Deposit Share
funding
Value: 41.73%
Peer Median: 22.03%
#97 of 2643 Top 3.6% in $100M-$1B
387
Efficiency Ratio
profitability
Value: 48.83%
Peer Median: 64.48%
#387 of 2643 Top 14.6% in $100M-$1B
607
Return on Assets
profitability
Value: 1.73%
Peer Median: 1.32%
#607 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (1 metrics)

2170
Total Loans
size
Value: $97.33M
Peer Median: $258.35M
#2170 of 2643 Bottom 17.9% in $100M-$1B
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