# YORK STATE BANK
YORK, NE · FDIC certificate 16079 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $200.2M | |
| Deposits | $167.4M | |
| Loans and leases | $130.6M | |
| Total equity | $31.8M | |
| Loans / deposits | 77.09% (p57 of band) | 73.59% |
| Liquid assets / assets | 27.99% (p39 of band) | |
| Uninsured deposits / deposits | 27.37% (p75 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.20% (p48 of band) | |
| FHLB advances / assets | 0.20% | |
| Tier 1 leverage | 13.92% (p70 of band) | 11.76% |
| Unrealized securities loss / equity | -4.13% (p60 of band) | -6.57% |
| AOCI / equity | -0.42% (p48 of band) | |
| ROA (annualized) | 2.08% (p87 of band) | 1.17% |
| Net interest margin | 4.52% (p77 of band) | 3.93% |
| Efficiency ratio | 42.63% (p5 of band) | |
| Noncurrent loans | 0.20% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p81 of band) | |
| Reserve coverage of noncurrent | 593.13% | |
| Real estate % of loans | 28% | |
| Construction % of loans | 2.70% (p25 of band) | |
| Auto loans | $882,000 (0.68% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 3 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2024-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 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)

- 2026-08-17 [New York bank regulator says vendor flaw hit its firms - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxOUGZEc0N1Y3h1aFlEbnZHZGRoRnE0RGIxSHY4VWp2dVBReVJqY3hNUUcwZFo0X0ExQVVNcWE3dHlTZGxiNjFkdnBrbDRXQWVsRmNmTUl4TkotSzhwS3lQZTRpRk5jTkhUOUFzMGlFa3NFRkJkQTA3Y0UtMmxXOGZfZy01aDFVNmdVdDJodXJIcnJUbEdE?oc=5) · American Banker
- 2025-02-12 [Largest State-Based Green Bank in the US Invests $60 Million in EV Charging Stations - TriplePundit](https://news.google.com/rss/articles/CBMiY0FVX3lxTE13aXJTRmJaN0Q3UHV0SzVMUkhnSFZlbEdLcFoyTzF0bWdfRHYtNGh3Yng1QWFkSElobW5YaEZ1SU9Zb2JvQ1VUbFNLZmRlNVlkQjVmenBZN294TnVEekd6STZ2TQ?oc=5) · TriplePundit
- 2023-04-19 [As Fears of Banking Crisis Surged, Members of Congress Sold Bank Shares (Published 2023) - The New York Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxNaGY4eXlzUWp5bzRleG5WbmxfXzhsdVp2a25tZnNMRmRMNGRfMmZacEdrekQ5Tm9HN0ZsR3BKYmFkMDBrVmZOdVVFRXVOQ2hKdERSbzNoYnA5ZWtpTjQ5dEV6V3pYVVFydUY3NFBGaEFabms0ajJ4YUVhZUcwbEFVd080Nm5GWkE?oc=5) · The New York Times
- 2025-07-16 [Biz Beat: Pavelka joins York State Bank staff - York News-Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxObW9fc1lhWl9jdWhvYTRCaHY5MkhIVjNDNHcyZ1E0UmUxS2hIRThVWjVQSDZVYmNnV1czUi1mc1FkRVZJVUlNTjFEdjQ1NVRHbG56QWE5WDJNM2x4VFVRZTJQM1RGNDJWZXJTTnJJd3ctV1RrcnpsSkxFYVg2SHBMc2F4OVNPY3NaLXBVUlk0T1BSNVVXTWVFclhCMA?oc=5) · York News-Times
- 2022-09-21 [New York Businesses Say Cash Advance Firms Sent Threats and Looted Bank Accounts - thecityreporter.nyc](https://news.google.com/rss/articles/CBMikwFBVV95cUxOMGZmb1FzTXJVVE5ubllxNjdRXzRpVzJCM1E5bV85ckpwdjB0UGRrTFFBWkE0NzhVNVhLWEoyWHpKd3FSWGptTTd4bVB2N3pmbUc0c0ZUbEJ5UUMyT2lZeWM3MnJTRUtCakVTQU9EWE9LM01lQ0tkcFNNYmJHNHppSC02eFZNdWttbXlNRHV4TEhOaWs?oc=5) · thecityreporter.nyc
- 2016-11-04 [New York fines Chinese bank $215 mn for money laundering violations - Yahoo Finance Singapore](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNM2o3NEp2SUlBdjBaY2p5bnJRNnJtZFFMZWhjZTFEN3pqWml5TTFMN052MHFzUjRYc0hiamliNFAxSTJrcjFqY2x4bUp6TW02WlFsckZCblBpZF9GdmRVLWhBVlh4WVBZMWNnWTR3VW1RY1h5eDlSM2Q0SUZpUkR0TEpVXy1tZU1HTkxNMnJraVlNQVd4SHUyT2YwUEtWZUlvX0haQzdnYUY?oc=5) · Yahoo Finance Singapore
- 2010-03-11 [Boymelgreen’s LibertyPointe Bank shut down - The Real Deal](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOQ3o0WVB4S09icUJiNV96V2VjQ3pMR09GN2t5c0tQdTNITF9MWnhQNWc0NDZQMjhCTUtSQ0FueDRjNnYyVndTYno1aTBBNkZ2WG10Q3FfemV1T0VSb1V6NWhUcWp1b2xJQzhDNEVmV0lOQ3J1V0FTbnhIQUFRcTZSejZDRzBhWVBjZFVOcVZIVnJrSjJBNmxXZmZNYVhhT0FUZTNjLUZJbFRnalprWFBQYjZrck5FUFZ5Z1QxNm9TSngwMDB5OXpWZ3FuY0hlbEozdk1kdW4zY3FUcEp3SkU5ejVHTEpvbUl0MXRqRmxUU3Y?oc=5) · The Real Deal
- 2024-02-19 [Which employers are the best in upstate New York? Some have ties to Utica - Utica Observer Dispatch](https://news.google.com/rss/articles/CBMixgFBVV95cUxOMU1IRG90WGhEYjBxcDRBLVhOVWs1MndUTkhSc0VFaG03NktXR1haeW5RUmhuODV5QXBHMk9vcTY3REpnTF9uZ2NIRE1TaFVybzhtSjJqSmdYWjFFVTFSckluckhDakF5M0hialcteENQQmlVMDg0dXlZVnd4eHlIdGNlZkxyX0V3a1hDNXJsbFZxQ29IdkZEeXYzd29jTDgwckN4UlZJWmx2RXJoX2d4RjF2SWZTRlBCb0lIa3pCajhqeFJBZlE?oc=5) · Utica Observer Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16079 (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/15.json (key "16079", 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide