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Data through Q3 2026 · 4,200 institutions
Regulatory profile
York, NE · FDIC certificate #16079
YORK STATE BANK is an FDIC-insured institution based in York, NE (FDIC certificate #16079). In its Q3 2026 Call Report it reported total assets of $196M, total deposits of $163M and net loans of $129M. Its primary federal regulator is FDIC.
Plain-language readout
YORK STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $204M in Q1 2026 and were lowest at $196M in Q3 2026.
Total deposits were highest at $172M in Q1 2026 and lowest at $163M in Q3 2026.
Over the whole period total assets fell 4.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $196M | $163M | $129M | 2.01% | 12.72% | 4.47% |
| Q2 2026 | $200M | $167M | $129M | 2.08% | 13.32% | 4.52% |
| Q1 2026 | $204M | $172M | $132M | 2.19% | 14.15% | 4.71% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.0M | $32.4M | -$8.4M | -26.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $32.0M | $25.3M | +$6.7M | +26.7% |
| Equity securities with readily determinable fair values, not held for trading | $18K | $14K | +$4K | +28.6% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $129.0M | $131.5M | -$2.5M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.7M | $1.8M | -$32K | -1.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $5.1M | $5.1M | $0K | 0.0% |
| All other assets | $8.3M | $8.1M | +$146K | +1.8% |
| Total assets | $200.2M | $204.2M | -$4.1M | -2.0% |
| Liabilities | ||||
| Total deposits | $167.4M | $171.9M | -$4.5M | -2.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $400K | $400K | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $615K | $781K | -$166K | -21.3% |
| Total liabilities | $168.4M | $173.1M | -$4.7M | -2.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $14.0M | $14.0M | $0K | 0.0% |
| Retained earnings | $18.5M | $17.9M | +$658K | +3.7% |
| Accumulated other comprehensive income | -$1.0M | -$958K | -$42K | -4.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $31.8M | $31.1M | +$616K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $262K | $225K | +$37K | +16.4% |
| Adjusted nonperforming assets | $262K | $225K | +$37K | +16.4% |
| Tangible equity plus allowance | $28.2M | $27.6M | +$577K | +2.1% |
| Texas ratio (gross) | 0.93% | 0.81% | +0.11 pts | See points |
| Texas ratio (adjusted) | 0.93% | 0.81% | +0.11 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.93% | 0.81% | +0.11 pts | See points |
| Tier 1 capital to risk-weighted assets | 18.97% | 17.96% | +1.00 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 18.97% | 17.96% | +1.00 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.07% | 1.06% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 20.03% | 19.02% | +1.01 pts | See points |
| Tier 1 leverage (approximate) | 13.92% | 14.04% | -0.12 pts | See points |
| Construction and land loans to total capital | 2.93% | 2.13% | +0.81 pts | See points |
| Commercial real estate to total capital | 37.77% | 37.35% | +0.43 pts | See points |
| Dividend payout, year to date | 31.36% | 29.82% | +1.54 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.67% | -4.63% | -0.04 pts | See points |
| Liquidity | ||||
| Core deposits | $156.5M | $161.7M | -$5.2M | -3.2% |
| Non-core funding | $11.3M | $10.6M | +$654K | +6.2% |
| Loans to core deposits | 83.44% | 82.34% | +1.10 pts | See points |
| Loans to deposits | 78.02% | 77.44% | +0.58 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 53.01% | 73.52% | -20.51 pts | See points |
| Loans pledged, share of loans | 43.14% | 44.23% | -1.08 pts | See points |
| Volatile liabilities | $11.3M | $10.6M | +$654K | +6.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.4M | +$1.2M | +89.4% |
| Earnings before provision, single quarter | $1.2M | $1.4M | -$146K | -10.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.21% | 6.69% | -0.48 pts | See points |
| Yield on interest-bearing balances due from banks | 3.90% | 3.89% | +0.02 pts | See points |
| Total interest income to average assets | 4.98% | 5.37% | -0.39 pts | See points |
| Cost of interest-bearing transaction accounts | 0.13% | 0.13% | -0.00 pts | See points |
| Cost of savings and money market deposits | 1.29% | 1.01% | +0.28 pts | See points |
| Cost of time deposits | 3.53% | 3.60% | -0.07 pts | See points |
| Total interest expense to average assets | 1.12% | 1.04% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $196M | $163M | $129M | 2.01% | 12.72% | 4.47% |
| 2026-06-30 | $200M | $167M | $129M | 2.08% | 13.32% | 4.52% |
| 2026-03-31 | $204M | $172M | $132M | 2.19% | 14.15% | 4.71% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $156.6M | 0.17% | 87 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.