Bank of York

301 Broad Street
York, AL 36925

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 862
Date Established 1911
Assets $0.10 billion
Loans $0.04 billion
Deposits $0.07 billion
Capital $0.01 billion

Bank of York is an FDIC insured institution located in York, AL. It was founded in 1911 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Bank of York's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of York’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Alabama, Bank of York has a significantly higher percent of Multifamily Mortgages, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.61
Multifamily
Mortgages
7.20
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 24.49
Construction and Development Loans 10.50
Commercial Real Estate 29.92
Commercial and Industrial Loans 9.24
Farm Loans 1.83

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of York, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of York

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of York
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Branches

Bank of York branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank Of York Locations

Financial Details

Bank of York Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of York. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of York U.S. Bank Average
2.06% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of York had $81,000 in non-current loans and $149,000 in owned real estate. To cover these potential losses it had $10,798,000 in equity and $370,000 in loans loss reserves. That gives it a Texas Ratio of 2.06%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of York U.S. Bank Average
6.96% 8.58

Bank of York has a Return on Equity of 6.96% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of York U.S. Bank Average
11.12% 12.11

Bank of York has a Capitalization of 11.12% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of York Balance Sheet Analysis

As of June 30, 2017, Bank of York had assets of $97,088,000, loans of $37,023,000, and deposits of $73,833,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank of York

Branches and Savings

Is Bank of York FDIC insured?

Yes. It is covered under FDIC Certificate #862.

Why does Bank of York pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank of York CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank of York a commercial bank?

Yes

Where are Bank of York locations?

See branch locations nearby.

Is Bank of York open on Saturdays?

Is Bank of York open on Sundays?

What time does Bank of York open?

What time does Bank of York close?

Are Bank of York ATMs Open 24/7?

Do Bank of York ATMs accept cash deposits?

Can Bank of York customers use other ATMs?

Do Bank of York branches have notaries?

Will Bank of York notarize my document?

What address for Bank of York should I put for incoming ACH transfers?

Will the Bank of York branch print checks?

Do Bank of York checks expire?

Does Bank of York require US citizenship to open account?

Can Bank of York close my account?

Does Bank of York Report to credit bureaus?

Does Bank of York Use Equifax?

What is Bank of York's ACH Routing Number?

What is Bank of York's SWIFT code?

Products

Does Bank of York offer mortgages?

Compare mortgage rates here.

Does Bank of York offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of York offer personal loans?

Compare personal loan rates here.

Does Bank of York offer student loans?

Will Bank of York cash a check?

Will Bank of York redeem a savings bond?

Does Bank of York cash savings bonds?

Will Bank of York cash money orders?

Can Bank of York issue a money order?

Does Bank of York do currency exchange?

Background on The Bank

Who owns Bank of York?

How long has Bank of York been around?

Can Bank of York transfer to other banks?

Does Bank of York have quick pay?

Does Bank of York accept rolled coins?

Will Bank of York accept loose change?

Where is Bank of York headquarters?

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