BlastPoint's Banking Scorecard

York State Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 16079

York, NE

4 branches across NE

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 81 in NE.
Deposits +6.9% year over year ($167.4M on the books).
Delinquency rate 0.20%.
Return on assets 2.08%.
Efficiency ratio 42.63% vs a 64.48% peer average.
Loan-to-deposit ratio 77.09% 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 81 in NE

View $100M-$1B leaderboard (NE) →

York State Bank has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 22.7% in tier
+ Efficiency Ratio 21.85% below tier average
+ Net Interest Margin 0.53% above tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 47.3% in tier

Get updates when York State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$200.2M +7.3% YoY -2.0% QoQ	-$186.4M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$129.0M +2.6% YoY -1.9% QoQ	-$129.3M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	28%
Total Deposits ?	$167.4M +6.9% YoY -2.6% QoQ	-$159.3M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	2.08% +28.4% YoY -5.1% QoQ	+0.76%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	Top 11.6% in tier
Net Interest Margin ?	4.52% +13.5% YoY -4.0% QoQ	+0.53%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	42.63% -11.4% YoY +2.7% QoQ	-21.85%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Top 6.3% in tier
Delinquency Rate ?	0.20% -46.1% YoY +18.7% QoQ	-0.72%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	77.09% -4.1% YoY +0.8% QoQ	-0.86%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	23.13% -42.7% YoY -7.0% QoQ	+1.10%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.13% -48.5% YoY +18.8% QoQ	-0.54%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	18.97% +9.5% YoY +5.6% QoQ	+3.06%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.21% +7.9% YoY +107.0% QoQ	-0.36%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	53%

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 (NE)	National Avg	Tier Percentile
Noninterest-Bearing	23.1% -17.3pp YoY -1.7pp QoQ	+1.0pp	22.1%	17.6%	22.2%	59%
Brokered Deposits	n/a	n/a	7.9%	8.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	13.8% -0.7pp YoY +0.6pp QoQ	+2.3pp	11.6%	12.3%	12.5%	71%
CRE	10.8% +2.6pp YoY +0.8pp QoQ	-28.7pp	39.5%	32.3%	41.4%	6%
1-4 Family	5.4% -1.3pp YoY -0.7pp QoQ	-27.2pp	32.6%	16.9%	31.3%	5%
Consumer	1.3% -0.5pp YoY -0.1pp QoQ	-2.8pp	4.1%	3.1%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	19.0% +1.6pp YoY +1.0pp QoQ	+0.1pp	18.8%	16.1%	19.7%	74%
Leverage Ratio	13.9% +0.2pp YoY -0.1pp QoQ	+1.7pp	12.2%	12.1%	12.6%	81%
Total Capital Ratio	20.0% +1.6pp YoY +1.0pp QoQ	+0.1pp	19.9%	17.3%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	22 0 YoY +2 (+10.0%) QoQ	-37	58	98	482	14%
Assets per Employee ($)	$9.1M +7.3% YoY -10.9% QoQ	+$1.6M	$7.5M	$8.5M	$8.8M	80%
Branch Count	4 0 YoY 0 QoQ	-1	4	7	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.8%	1.0%	30%
Allowance Coverage	5.93x +83.6% YoY -16.2% QoQ	-18.22x	24.15x	31.69x	20.23x	74%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	74%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	13.3% +2.5pp YoY -0.8pp QoQ	+1.1pp	12.2%	12.3%	11.6%	58%
Cost of Funds (YTD)	1.2% -0.1pp YoY +0.1pp QoQ	-0.5pp	1.7%	1.9%	1.7%	19%
Net Income ($, YTD)	$2.1M +35.8% YoY — QoQ	-$482K	$2.6M	$6.1M	$40.4M	54%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Profitability Leader

growth

#151 of 661 • Top 22.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.08%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#352 of 742 • Bottom 47.3% 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: 18.97%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 77.09%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

168

Efficiency Ratio

profitability

Value: 42.63%

Peer Median: 64.48%

#168 of 2643 Top 6.3% in $100M-$1B

307

Return on Assets

profitability

Value: 2.08%

Peer Median: 1.32%

#307 of 2643 Top 11.6% in $100M-$1B

428

Tier 1 Capital Ratio

capital

Value: 18.97%

Peer Median: 15.91%

#428 of 2643 Top 16.2% in $100M-$1B

519

Net Interest Margin

profitability

Value: 4.52%

Peer Median: 3.99%

#519 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available