York State Bank is a state-chartered bank headquartered in York, Nebraska, in business for about 83 years. At the end of Q2 2026 it reported $200.2M in total assets and $167.4M in deposits, with 4 offices.
York State Bank has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 14th. Earnings contributes the most (100/100, 2.08%); funding & liquidity contributes the least (70/100, 77% loans-to-deposits, 27% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (86 → 90), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 83 |
| Q1 2025 | 86 |
| Q2 2025 | 86 |
| Q3 2025 | 86 |
| Q4 2025 | 88 |
| Q1 2026 | 91 |
| Q2 2026 | 90 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.46% |
| Q3 2024 | 12.87% |
| Q4 2024 | 13.13% |
| Q1 2025 | 13.22% |
| Q2 2025 | 13.69% |
| Q3 2025 | 13.98% |
| Q4 2025 | 13.89% |
| Q1 2026 | 14.04% |
| Q2 2026 | 13.92% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 1.55% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.59% |
| Q2 2025 | 1.62% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.74% |
| Q1 2026 | 2.19% |
| Q2 2026 | 2.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $200.2M | 13.92% | 0.20% | 2.08% | 77.1% |
| Q1 2026 | 91 | $204.2M | 14.04% | 0.17% | 2.19% | 76.5% |
| Q4 2025 | 88 | $193.6M | 13.89% | 0.27% | 1.74% | 84.5% |
| Q3 2025 | 86 | $189.8M | 13.98% | 0.32% | 1.67% | 88.5% |
| Q2 2025 | 86 | $186.5M | 13.69% | 0.37% | 1.62% | 80.4% |
| Q1 2025 | 86 | $190.4M | 13.22% | 0.25% | 1.59% | 78.7% |
| Q4 2024 | 83 | $188.8M | 13.13% | 0.37% | 1.52% | 82.1% |
| Q3 2024 | 80 | $188.8M | 12.87% | 0.61% | 1.55% | 89.3% |
| Q2 2024 | 81 | $184.1M | 12.46% | 0.39% | 1.59% | 84.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| Minden Exchange Bank & Trust CompanyBank Minden, NE | 82 out of 100, Strong | $201.4M | 19.8% | 1.23% | vs |
| Western Nebraska BankBank Curtis, NE | 75 out of 100, Strong | $193.3M | 10.1% | 0.01% | vs |
| South Central State BankBank Campbell, NE | 96 out of 100, Very strong | $192.1M | 15.2% | 0.00% | vs |
| United Republic BankBank Elkhorn, NE | 36 out of 100, Low | $185.8M | 11.6% | 4.89% | vs |
| Farmers and Merchants BankBank Milligan, NE | 78 out of 100, Strong | $215.4M | 11.1% | 0.19% | vs |
Deposit insurance
Is my money safe at York State Bank?
Yes. York State Bank is an FDIC-insured institution (FDIC certificate #16079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.4% of deposits ($45.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.03% (benchmark: 10%).
4 locations
Branches
York State Bank lists 3 offices in 3 cities. Most locations:
- Geneva, NE (1)
- Gresham, NE (1)
- York, NE (1)
Identity & history
Profile
- Legal name
- York State Bank
- Former names
- York State Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 16079
- RSSD ID
- 731050
- Primary regulator
- FDIC
- Holding company
- York Holdings Inc
- Established
- July 1, 1943
- Headquarters
- 700 N Lincoln Ave, York, NE 68467
- Website
- www.yorkstatebank.com
- Employees
- 22
Quick answers
York State Bank: common questions
Is York State Bank FDIC insured?
Yes. York State Bank is an FDIC-insured institution (FDIC certificate #16079). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is York State Bank's TellerScore?
90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has York State Bank ever failed?
There is no failure record for FDIC certificate #16079 in the FDIC failed bank list.
How many branches does York State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |
| Farmers and Merchants BankBank Milford, NE | 78 out of 100, Strong | $1.1B | 10.6% | 0.00% | vs |
| First State BankBank Hordville, NE | 77 out of 100, Strong | $46.8M | 12.2% | 0.00% | vs |
| Union Bank and Trust CompanyBank Lincoln, NE | 76 out of 100, Strong | $9.2B | 10.6% | 0.32% | vs |
| First Bank of UticaBank Utica, NE | 76 out of 100, Strong | $77.4M | 14.3% | 0.63% | vs |