BlastPoint's Banking Scorecard
York State Bank
York, NE
4 branches across NE
York State Bank shows strong momentum with 4 strengths and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 15.3% in tier
- + Efficiency Ratio 23.78% below tier average
- + Net Interest Margin 0.78% above tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.2M
+7.2% YoY
+5.5% QoQ
|
-$181.9M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$131.5M
+3.7% YoY
-4.0% QoQ
|
-$124.2M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$171.9M
+6.7% YoY
+6.0% QoQ
|
-$156.1M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
2.19%
+37.6% YoY
+25.7% QoQ
|
+0.92% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
Top 8.6% in tier |
| Net Interest Margin ? |
4.71%
+19.8% YoY
+14.5% QoQ
|
+0.78% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Top 12.8% in tier |
| Efficiency Ratio ? |
41.51%
-14.3% YoY
-8.0% QoQ
|
-23.78% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 5.4% in tier |
| Delinquency Rate ? |
0.17%
-33.0% YoY
-36.5% QoQ
|
-0.72% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
76.52%
-2.8% YoY
-9.4% QoQ
|
-0.12% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
24.86%
+12.1% YoY
-4.0% QoQ
|
+2.84% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.11%
-35.2% YoY
-42.2% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
17.96%
+7.2% YoY
+6.4% QoQ
|
+2.13% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.10%
+3.3% YoY
-73.4% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
52% |
Get Full Access to York State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.