York State Bank

700 Lincoln Avenue
York, NE 68467

Notable Rates APY Vs.Others
Savings 0.08% 2.20% →
1-Year CD 0.90% 2.20% →
2-Year CD 1.15% 2.65% →
5-Year CD 1.70% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

York State Bank is an FDIC insured institution located in York, NE. It was founded in 1943 and has approximately $0.15 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 16079
Date Established 1943
Assets $0.15 billion
Loans $0.12 billion
Deposits $0.13 billion
Capital $0.02 billion

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

Deposit Rates - February 23, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $4,999 Learn MoreShow Less
Money Market
0.15% $5,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.30% $10,000 $24,999 Learn MoreShow Less
3 Mo CD
0.50% $25,000 - Learn MoreShow Less
0.55% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
0.65% $25,000 - Learn MoreShow Less
0.80% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
0.90% $25,000 - Learn MoreShow Less
Special: 13 Mo CD
1.67% $5,000 - Learn MoreShow Less
0.90% $10,000 $24,999 Learn MoreShow Less
18 Mo CD
1.00% $25,000 - Learn MoreShow Less
Special: 23 Mo CD
1.67% $5,000 - Learn MoreShow Less
1.05% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
1.15% $25,000 - Learn MoreShow Less
1.20% $10,000 $24,999 Learn MoreShow Less
1.40% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
1.50% $25,000 - Learn MoreShow Less
1.50% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
1.60% $25,000 - Learn MoreShow Less
1.60% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
1.70% $25,000 - Learn MoreShow Less

Fixed IRA
0.15% $1 $999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.05% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 $4,999 Learn MoreShow Less

Loan Rates - February 23, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for York State Bank

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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

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York State Bank Locations

Financial Details

York State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of York State Bank. 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
York State Bank U.S. Bank Average
1.12% 6.70%

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 September 30, 2019, York State Bank had $248,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $20,737,000 in equity and $1,487,000 in loans loss reserves. That gives it a Texas Ratio of 1.12%.

Return on Equity
York State Bank U.S. Bank Average
8.68% 9.72%

York State Bank has a Return on Equity of 8.68% versus the BestCashCow average of 9.72%. 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.

York State Bank U.S. Bank Average
13.91% 12.89%

York State Bank has a Capitalization of 13.91% versus the BestCashCow average of 12.89. 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.

York State Bank Balance Sheet Analysis

As of September 30, 2019, York State Bank had assets of $149,027,000, loans of $118,175,000, and deposits of $125,809,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.12 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 $0.01 billion
All other assets $0.00 billion
     Total Assets $0.13 billion
Total deposits $0.13 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.13 billion
      % insured (estimated) 85.62%
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 $0.13 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

September 30, 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 York State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Nebraska, York State Bank has a significantly higher percent of Farm 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 6.64
Credit Card Loans 0.00
Consumer Auto Loans 1.35
Small Business Loans 0.00
Construction and Development Loans 0.46
Commercial Real Estate 3.90
Commercial and Industrial Loans 11.43
Farm Loans 60.19

Frequently Asked Questions About York State Bank

Branches and Savings

Is York State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16079.

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

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

Why are York State Bank CD rates not competitive?

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

Is York State Bank a commercial bank?


Where are York State Bank locations?

See branch locations nearby.

Is York State Bank open on Saturdays?

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Are York State Bank ATMs Open 24/7?

Do York State Bank ATMs accept cash deposits?

Can York State Bank customers use other ATMs?

Do York State Bank branches have notaries?

Will York State Bank notarize my document?

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

Will the York State Bank branch print checks?

Do York State Bank checks expire?

Does York State Bank require US citizenship to open account?

Can York State Bank close my account?

Does York State Bank Report to credit bureaus?

Does York State Bank Use Equifax?

What is York State Bank's ACH Routing Number?

What is York State Bank's SWIFT code?


Does York State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does York State Bank offer personal loans?

Compare personal loan rates here.

Does York State Bank offer student loans?

Will York State Bank cash a check?

Will York State Bank redeem a savings bond?

Does York State Bank cash savings bonds?

Will York State Bank cash money orders?

Can York State Bank issue a money order?

Does York State Bank do currency exchange?

Background on The Bank

Who owns York State Bank?

How long has York State Bank been around?

Can York State Bank transfer to other banks?

Does York State Bank have quick pay?

Does York State Bank accept rolled coins?

Will York State Bank accept loose change?

Where is York State Bank headquarters?

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