BlastPoint's Banking Scorecard
Bank of York
Micro
Specialty: Other
SC
FDIC cert 15104
Designations: ✓ Community bank
York, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Bank of York demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.38% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.9M
+1.5% YoY
+2.0% QoQ
|
+$88.4M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$96.2M
+0.1% YoY
-0.6% QoQ
|
-$42.9M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$265.1M
+0.5% YoY
+2.6% QoQ
|
+$81.4M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.72%
-5.8% YoY
-3.1% QoQ
|
+0.64% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.41%
-3.8% YoY
-0.6% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
51.15%
+4.5% YoY
+2.8% QoQ
|
-16.58% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.83%
+43.8% YoY
+164.8% QoQ
|
+0.19% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
36.30%
-0.5% YoY
-3.1% QoQ
|
-38.23% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.78%
+6.0% YoY
-1.0% QoQ
|
+18.38% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.26%
+41.8% YoY
+25.0% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
32.00%
+8.8% YoY
-2.0% QoQ
|
+23.15% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.34%
-3.5% YoY
+23.8% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Non-Interest-Bearing Deposit Share is in the top decile of tier peers. Cheap (no-cost) funding is a larger share of the deposit base than at peers - structural NIM advantage in rising-rate environments.
Why this stands out
Current:
40.78%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 32.00% · Tier avg: 8.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.30% · Tier avg: 74.53%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.78% · Tier avg: 22.39%
88
88th pctile
Efficiency Ratio
Current: 51.15% · Tier avg: 67.73%
83
83th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.08%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
74
74th pctile
Total Deposits
Current: $265.1M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $305.9M · Tier avg: $217.5M
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
48
48th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
42
42th pctile
Total Loans
Current: $96.2M · Tier avg: $139.2M
33
33th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.64%
Top Weaknesses
33
33th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.64%
42
42th pctile
Total Loans
Current: $96.2M · Tier avg: $139.2M
48
48th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
73
73th pctile
Total Assets
Current: $305.9M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $265.1M · Tier avg: $183.7M
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
83
83th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.15% · Tier avg: 67.73%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.78% · Tier avg: 22.39%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.30% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.00% · Tier avg: 8.85%