Bank of York

301 Broad Street
York, AL 36925


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 862
Date Established 1911
Assets $0.11 billion
Loans $0.05 billion
Deposits $0.09 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 $0.11 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.

Deposit Rates - September 20, 2019

Your Current Location: Virginia, VA 20146

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

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Loan Rates - September 20, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of York

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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 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
1.42% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Bank of York had $154,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,373,000 in equity and $459,000 in loans loss reserves. That gives it a Texas Ratio of 1.42%.

Return on Equity
Bank of York U.S. Bank Average
5.42% 9.47%

Bank of York has a Return on Equity of 5.42% versus the BestCashCow average of 9.47%. 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.

Bank of York U.S. Bank Average
9.85% 12.49%

Bank of York has a Capitalization of 9.85% versus the BestCashCow average of 12.49. 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 March 31, 2019, Bank of York had assets of $105,275,000, loans of $45,677,000, and deposits of $87,187,000. 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.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.09 billion
Total deposits $0.09 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 88.18%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of York’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.08
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 24.55
Construction and Development Loans 13.47
Commercial Real Estate 31.92
Commercial and Industrial Loans 17.72
Farm Loans 1.71

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?

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Why are Bank Of York CD rates not competitive?

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Does Bank Of York offer mortgages?

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

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Does Bank Of York offer personal loans?

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Background on The Bank

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