# BANK OF YORK
YORK, AL · FDIC certificate 862 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**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 | $102.2M | |
| Deposits | $84.1M | |
| Loans and leases | $47.2M | |
| Total equity | $11.4M | |
| Loans / deposits | 55.48% (p19 of band) | 77.79% |
| Liquid assets / assets | 49.91% (p83 of band) | |
| Uninsured deposits / deposits | 10.33% (p26 of band) | 15.94% |
| Brokered deposits | 2.47% | |
| Wholesale funding | 8.87% (p81 of band) | |
| FHLB advances / assets | 1.96% | |
| Tier 1 leverage | 11.46% (p48 of band) | 11.56% |
| Unrealized securities loss / equity | 1.82% (p70 of band) | 0.80% |
| AOCI / equity | 10.71% (p95 of band) | |
| ROA (annualized) | 0.60% (p22 of band) | 1.05% |
| Net interest margin | 3.17% (p17 of band) | 3.84% |
| Efficiency ratio | 81.25% (p79 of band) | |
| Noncurrent loans | 0.04% (p21 of band) | 0.56% |
| Net charge-offs (annualized) | 0.02% (p58 of band) | |
| Reserve coverage of noncurrent | 2585.00% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 63.76% (p87 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.4% | |
| Employees | 24 | |

## 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 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | uninsured deposits leaving | capital falling |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | wholesale funding >15% |
| 2016-06 | 1 | assets shrinking |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | wholesale funding >15% |  |
| 2019-03 | 1 | capital falling | wholesale funding >15% |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-08-01 [Louisiana Bank Buys Bank of York, in Alabama - businessalabama.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1MYThTUDkzcXYtejlwNmxzbWNjb1JscHhBNXMwdmYwZUF3UWg1S0NVby1ONVI1dEtZdFJfeGlkM2RVQTFuaW1OREN1M2o3V3ZMVXhTSlJsM3RmMFVWY00wdzQxN2JBdXF3SmtYeUlvZzdQVERTSjJaSE5PSmc?oc=5) · businessalabama.com
- 2016-12-03 [BUSINESS BUZZ: December 4 - The Tuscaloosa News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNdDNFdTkyMlU4Q1ROS29aZHlGZHZUanZpX0NPdkF4U1RaTHpGdTNPazRGTzRPVmo1MGJmOEdGcEh1a2VQaDdDOUxHdHVYcUNXX3BnM2xkZ1FYdjdTRUpwSmo1NXJrOHh6NDZNTVVuLXNqaDVuQUREUTFWT2VpYzFVdTNJUTdoWTliS3FyZjNvUHotQzlEcjNzMzdR?oc=5) · The Tuscaloosa News
- 2019-07-30 [Investar Bank to acquire bank in Alabama for $15M - The Advocate](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOdHhtMUxVOXVSdThneTJnamJPdFVuaG1EM1B6RUV2QUp2ckRCMEpPN0VSSG1JTWRxR3dVR0p2WXNwRGNOUkVUNFFVT1dMTUFsRE9hdGFrbkx1SWUwNVNyV3J0LXNJZVpfam03M3NQTmlEVHF4ak5reTZPMG9obURKaEJKR04wdFlGVC0tcGU4eHgxQmt2Y1JvNnV4amhoOWt2VWxGLU0zczZCUkNLaUhjVFd2UHJSM3FSVmVwUlV3R0JrNF9RU1BBLThVZ1JLdEUxRDBKa3psMWZBbExFNXNkWF90cUdVUGM?oc=5) · The Advocate
- 2019-11-07 [Investar CEO on plans for Alabama, why bank is bullish on Birmingham - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOcUFrWm4yZDZSZzJvWVJjLUZYRjRVdE5uX3JocU5wVEtUYndla3dabGxUTGEwOXp5dEx3MFFybG5JeTVRUnV3REgyWE0yTjRydDJiVFJXVGczZ0ZCRWpLWTgtU2hWdXdfYzdKRlREc0hPd1ZLTjhyd3dSQ1l6MGJCNWVZdzZsdERDazhzbm1WaS1hbTZjc1lmUWFqejM4czRORFBBRnc1RU0?oc=5) · The Business Journals
- 2021-04-02 [Cheaha Bank acquired by Louisiana-based Investar - AL.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQelNadHlRQjVUd0ZGYlQ3VmxxZFZHRWJQQXg1TFJnajdfN2tJX3NRNUJqWGtndkNET3FFY1BxdVFEdy1wM1FTMk0yZjI2XzVwZmFWTGhuSDlqdXFEVXc3bEtfTzF2WkpoZlFOUmdncjVBVkxwbHpGOGpITnAzWUY2TExMNU9LYUtOMzgzX0I3b0s5ajA?oc=5) · AL.com
- 2026-07-13 [Ferne Culpepper Presley Obituary (1932 - 2026) - Collierville, TN - Jonesboro Right Now - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxPdUpIbTVVRGFOLXctT25udnk1bXRCMVdaZ3l4d0RjWTBsb3Y3MmZwUGp4WHJSeHpQWDAycGxkRl90X0lCcWpKejBKVE9CMWpyZFdYd3hoR3c2SUJjWTFlTUkxc3BEclJvbWtjRXRKazYwTk04UzhEcnp4SDRJOTZ3NHBCeXVVYUktb1BNVjlWenBURmZXU01qMUdB?oc=5) · Legacy obituary
- 2019-01-20 [BUSINESS BUZZ: January 20, 2019 - The Tuscaloosa News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQOW9CNl9IaTNHbHFXY2NqajlqZFNraEdOZWxERzE3aWRRemtxanlLeDZwdTFTeXpuclRPbFpXSTFDbS1ndTNxRVBLRFIyUFllZWtfT3hicDc3dm1yUnJ3UmRzU0xwOHU2elpsQ1FXVmVjWkxyX3hHdjB3RTJvQ0lIZEFzX1BWbHdsdHJQcUZDaWtISkpxZUJrS1M0MnV6eEk?oc=5) · The Tuscaloosa News
- 2019-12-20 [Investar Bank to acquire another Alabama bank in $41M deal - The Advocate](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOLTNZcUkyZWtadmFmcDNmSmxjZVNNMU5uX29ydXZSUTV1dDkyWFR0ODFTWkhCTmM5R1JPbzhYdU9rQUo3eVJsWmoyUmhvV2pRcjBWSHNFdEpDTHN3VldRd2ZBRUEtQkZ4YjFuT3J4UkxnOVlvSWQwQzRvMmRKODFLMEtpVEFwMTlQdGFMWmJBb2NyV1VFNUM0bEVqVFloXzcxVzUtc1ZhaklET2lGZFJOa0VTT1JPQjJjY3dOODdrQmxhV3lMUHF5dk1kVDR5d2N5WFhmYm1QZXZKUXlmMEpyWGNOSVJ3MWhLSDFNRkJjaldNSHM?oc=5) · The Advocate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=862 (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/30.json (key "862", 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