BlastPoint's Banking Scorecard
York State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 16079
Designations: ✓ Community bank
York, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
York State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.63% below 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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.6M
+2.6% YoY
+2.0% QoQ
|
-$23.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$137.0M
+4.1% YoY
+0.6% QoQ
|
-$2.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$162.1M
+1.2% YoY
+5.4% QoQ
|
-$21.5M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.74%
+14.6% YoY
+4.5% QoQ
|
+0.66% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.11%
+10.0% YoY
+1.7% QoQ
|
+0.26% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
45.10%
-5.7% YoY
-4.1% QoQ
|
-22.63% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.27%
-29.0% YoY
-16.0% QoQ
|
-0.37% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
84.47%
+2.9% YoY
-4.6% QoQ
|
+9.94% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
25.88%
+7.5% YoY
-35.9% QoQ
|
+3.49% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.19%
-27.9% YoY
-17.2% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
16.89%
+4.9% YoY
+1.7% QoQ
|
+8.03% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.38%
-4.8% YoY
+30.6% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.10%
(Tier avg: 67.73%, National avg: 65.09%)
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
95
95th pctile
Efficiency Ratio
Current: 45.10% · Tier avg: 67.73%
83
83th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.08%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.89% · Tier avg: 8.85%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.88% · Tier avg: 22.39%
64
64th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
56
56th pctile
Total Loans
Current: $137.0M · Tier avg: $139.2M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
50
50th pctile
Total Assets
Current: $193.6M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $162.1M · Tier avg: $183.7M
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.47% · Tier avg: 74.53%
Top Weaknesses
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.47% · Tier avg: 74.53%
49
49th pctile
Total Deposits
Current: $162.1M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $193.6M · Tier avg: $217.5M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
56
56th pctile
Total Loans
Current: $137.0M · Tier avg: $139.2M
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
64
64th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.88% · Tier avg: 22.39%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.89% · Tier avg: 8.85%
83
83th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 45.10% · Tier avg: 67.73%