Bank of York: how it compares with its peers
Against 14 SC banks with half to twice its assets, Bank of York's strongest measure in Q2 2026 is assets per employee ($9.3M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (4.11% vs. 3.90%).
| Measure | Bank of York | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.73% | 1.31% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.11% | 3.90% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.83% | 64.32% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $5.9M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 35.49% | 71.45% | Context |
What it means for lending operations
Its efficiency ratio of 48.83% is better than the 64.32% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank of South Carolina Holly Hill, SC · $310M
- The Commercial Bank Honea Path, SC · $284M
- Southern Bank Spartanburg, SC · $408M
- Farmers and Merchants Bank of South Carolina Holly Hill, SC · $414M
- Bank of the Lowcountry Walterboro, SC · $430M
- Blue Ridge Bank Walhalla, SC · $199M
Questions about Bank of York
How big is Bank of York?
Bank of York, established in 1935, is headquartered in York, SC. It reported $318M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of York's return on assets?
1.73% annualized in Q2 2026, against a 1.31% median for 14 SC banks with half to twice its assets, ahead of 79% of them.
What is Bank of York's efficiency ratio?
48.83% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 64.32%, and lower is better.
Is Bank of York growing its loans?
Net loans shrank 0.2% over the year to Q2 2026, while deposits grew 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.