# BANK OF YORK YORK, SC · FDIC certificate 15104 · asset band $300M-1B · latest filing 2026-06 · live **Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $317.7M | | | Deposits | $274.2M | | | Loans and leases | $98.4M | | | Total equity | $39.7M | | | Loans / deposits | 35.49% (p2 of band) | 82.04% | | Liquid assets / assets | 66.75% (p98 of band) | | | Uninsured deposits / deposits | 23.67% (p42 of band) | 25.97% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.95% (p34 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 12.88% (p78 of band) | 10.81% | | Unrealized securities loss / equity | -1.25% (p85 of band) | -8.10% | | AOCI / equity | -0.36% (p49 of band) | | | ROA (annualized) | 1.73% (p77 of band) | 1.28% | | Net interest margin | 4.11% (p61 of band) | 3.91% | | Efficiency ratio | 48.83% (p16 of band) | | | Noncurrent loans | 0.86% (p69 of band) | 0.43% | | Net charge-offs (annualized) | 0.00% (p37 of band) | | | Reserve coverage of noncurrent | 130.07% | | | Real estate % of loans | 82% | | | Construction % of loans | 39.82% (p47 of band) | | | Auto loans | $1.5M (1.47% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p45 of band) | | | Deposits YoY | 6.7% | | | Employees | 34 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 0 | | reserve under noncurrent | | 2011-09 | 0 | | | | 2011-12 | 1 | reserve under noncurrent | | | 2012-03 | 0 | | reserve under noncurrent | | 2012-06 | 0 | | | | 2012-09 | 1 | reserve under noncurrent | | | 2012-12 | 1 | | | | 2013-03 | 1 | | | | 2013-06 | 1 | | | | 2013-09 | 1 | | | | 2013-12 | 1 | | | | 2014-03 | 0 | | reserve under noncurrent | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 1 | capital falling | | | 2015-12 | 1 | | | | 2016-03 | 0 | | capital falling | | 2016-06 | 1 | reserve under noncurrent | | | 2016-09 | 0 | | reserve under noncurrent | | 2016-12 | 0 | | | | 2017-03 | 1 | reserve under noncurrent | | | 2017-06 | 1 | | | | 2017-09 | 1 | | | | 2017-12 | 1 | | | | 2018-03 | 1 | | | | 2018-06 | 1 | | | | 2018-09 | 1 | | | | 2018-12 | 3 | deposits shrinking, uninsured deposits leaving | | | 2019-03 | 2 | | deposits shrinking | | 2019-06 | 2 | noncurrent p90 | uninsured deposits leaving | | 2019-09 | 1 | | noncurrent p90 | | 2019-12 | 1 | | | | 2020-03 | 1 | | | | 2020-06 | 1 | | | | 2020-09 | 2 | capital falling | | | 2020-12 | 2 | | | | 2021-03 | 2 | NIM <2.5% | capital falling | | 2021-06 | 2 | | | | 2021-09 | 4 | capital falling, expense ratio p90 | | | 2021-12 | 2 | | reserve under noncurrent, expense ratio p90 | | 2022-03 | 3 | expense ratio p90 | | | 2022-06 | 1 | | capital falling, expense ratio p90 | | 2022-09 | 1 | | | | 2022-12 | 1 | uninsured deposits leaving | NIM <2.5% | | 2023-03 | 0 | | uninsured deposits leaving | | 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2023-09 | 1 | | assets shrinking, uninsured deposits leaving | | 2023-12 | 2 | assets shrinking | | | 2024-03 | 0 | | deposits shrinking, assets shrinking | | 2024-06 | 0 | | | | 2024-09 | 1 | deposits shrinking | | | 2024-12 | 0 | | deposits shrinking | | 2025-03 | 0 | | | | 2025-06 | 0 | | | | 2025-09 | 0 | | | | 2025-12 | 0 | | | | 2026-03 | 0 | | | | 2026-06 | 0 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2024-06-23 [Obituary for William McCaslin Brice, Jr. - Bratton Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFBuaWp0VEM3Y3RJZmFFVUxCYVhCc2tNMXR0SG1SeVAyNGJtZUhTcGRyYmdCZlRRLVJIOEFGUTFaZ2dIMFM0ZUdrOEUySGtmcElDS2lpMkhheW9TY0JtYVU4MHhmb0xHVjRuQVFj?oc=5) · Bratton Funeral Home - 2017-11-02 [Obituary for Catherine (Nivens) Templeton - M. L. Ford & Sons Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE4teU12U1dUdjNEcW5XU2Jxb2dLbHpWVzhkQjFmdTd5NXBwZElPM3g1Qm9HZGxmMTZ3M0NhNk1XdTNDNzdXWG4zUUhZVlBKZnNVTnJhdUJYM2JPM1k5OTdKWFp4NGhEZw?oc=5) · M. L. Ford & Sons Funeral Home - 2007-07-28 [Pair gets life in Lake Wylie bank heist - Rock Hill Herald](https://news.google.com/rss/articles/CBMibEFVX3lxTE0zS19sZU0zd0EyLUM5NWhfRWxJT0VXWG9xajBfM1JrZE42Zkx1S0syTFVpR2l5VG5qX0hrTHNmSUZJNEstakd3a3RSN19iTk1UYjJJQlNBN1lHb3NLbW90Y0xKaUxCb2w1RzZXbNIBbEFVX3lxTE55YVdwdExJUmUwM2V5Ry1HMVZUclhkSFN0bUI5ckh6ZVRPWlk4LU1SaktILTdjcnY5dVpOQWZmdnpXVDAzdEtYWVRQMGs4bEU1Z1JDNHVHUXBTdzBnbjhDaTRaaG9ZWHl5dl9jOQ?oc=5) · Rock Hill Herald - 2024-05-13 [Obituary for Samuel Tracy Ferguson, Jr. - Bratton Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTFBBdkNaOFhucFVDaUpFZmlkSzZydmJIQVkyd3RBZW9NOXpIbzUwUExMc3BRT1ZXT0tYOFBNVjFZWnlTM2JTT2tScnRvaXpTcWtVSU02Q0hpRG9ZTGhSYXIwazdJemt1YVlWelZOZ2RB?oc=5) · Bratton Funeral Home - 2020-07-30 [William Green Obituary (1949 - 2020) - York, SC - The Herald - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxQM1hZZU43UFZCQTVvWlVwUzJIaGY4cFgycHJCaHZ5ZU9HaHhuMWNsYzAxTlNqY01MQ3JEVHdjdTZsOVN3RnBLNjgtQmNxcmZDVVRCOWhDM1BpR1pWYk5WV1VmdHpMdG0tdGttTlJfVzd5UVNKN3VUWU9PRWNfNFhvUDU3bjZKaUg2UHczaEctQUtoQQ?oc=5) · Legacy obituary - 2026-06-19 [‘Entrenched’ crisis: Food insecurity is up across York Region, and so are low-income households, but that’s nothing new - YorkRegion.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQemVLUHF3N3lLcEY5dXZHUDd2WUVfTTZVZW0tSXA4NnVEelFVZ2EzY2Y4dURpUHNJRGY3Zm5wNFdxenVfSHRNWC1ybEZ0d2tlUjFFUVRabVhQUzhoRTV5U3BvTjFCbU0yZS14NGJtQURmRm5WSTNMNENScWhsaFF5R1dUWUxld1k5cTJIZFFYS0xDcTJLTWhNTUdUWEJGY1NfdTRfMkFXU2hEWllXR2xoMDRuSUxMMmpieFhad1hGUzhENFd1WU4xcEtaLVpoOFNIUGs1Uw?oc=5) · YorkRegion.com - 2020-05-01 [Good to Know: 10 facts about the Food Bank of York Region - YorkRegion.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNNkFKYjNuTDFfM1VRUThOMGlWaWlZcHVud2E2Y0puampLRUI3VFZBM2VBcFZ3VUxZZzRmNFdjRDBRNjl3QzhwZEh6dlJSclFqeXVvclFycEVJblFCajZiUmc4ZEhqdkJXajd4UkJwOVlMS0dQMnFXcGdkN2MxaUxLWlQwWU4wR25WMGZwbkFPa1M2V0dDYjZxNXlJQjFOOThPQWVnbWVsY1IwOTVwRjltTl95NUloZlktRkphNmM4RHJLeXBiMDE1OHpRMHRaLVNPTmFEdg?oc=5) · YorkRegion.com - 2006-06-25 [Whitley Vanhook Obituary (2006) - York, S.C., PA - The Valley News Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMirAFBVV95cUxOamNnVmtOVTVERW9sQlI4YlpQNWFNQnBXZ0tDNy0tellzVUVsbFV5bGgwWWsxaDV0M24xY0lkVVdxVjhIZV9XeGNwdFJHQk1sRnM0a1lvSWN2d2VaeF9FV2ZUeEUwMFd1OEVsNVoxbFZpTjFJNGtSaEd6Y2JCT21xRlZzX0RWSTZXNkZIVVltcTkwZ3NMQlg1cFBHdXhSR0stLTlnbmkwLV9GUTBw?oc=5) · Legacy obituary ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=15104 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "15104", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide