York State Bank and Trust Company

York State Bank and Trust Company is headquartered in York and is the 72^nd largest bank in the state of Nebraska. It is also the 4,124^th largest bank in the nation. It was established in 1943 and as of March of 2012, it had grown to 32 employees at 5 locations. York State Bank and Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics York State Bank FDIC Certificate # 16079 BankRate Report View Year Established 1943 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $135.82 million Loans $96.82 million Deposits $119.12 million Equity Capital $15.63 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $288,000 Historic Data - March 2011 Assets $125.61 million Equity Capital $15.56 million Loan Loss Allowance $1.19 million Unbacked Noncurrent Loans $148,000 Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 0.93% Return on Equity 8.01% Interest Income $1.35 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 York State Bank and Trust Company had $288,000 in non-current loans and owned real-estate with $16.85 million in equity and loan loss allowances on hand to cover it. This gives York State Bank and Trust Company a Texas Ratio of 1.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for York State Bank and Trust Company held steady from 0.88% as of March 31, 2011 to 1.71% as of March 31, 2012, resulting in a negative change of 93.45%. This indicates that the balance sheet and financial strength for York State Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, York State Bank and Trust Company has increased its total deposits by $10.38 million, resulting in 9.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth York State Bank and Trust Company has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. York State Bank and Trust Company has $135.82 million in assets with $16.85 million in equity, resulting in a capitalization level of 12.40%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.