Side-by-side · Q2 2026 data
Bank of York vs Spratt Savings Bank
Metric by metric
| Measure | Bank of York | Spratt Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 82 |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 89 (stronger) | 27 |
| Funding & liquidity | 91 | 93 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 84th | 82nd |
| Total assets | $317.7M | $154.4M |
| Deposits / shares | $274.2M | $123.0M |
| Capital ratio | 12.88% | 20.38% (stronger) |
| Problem loans | 0.86% | 0.23% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.73% (stronger) | 0.18% |
| Loans ÷ deposits | 35.5% (stronger) | 38.5% |
| Uninsured deposits | 23.7% | 21.5% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
Bank of York has the higher TellerScore (83 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Bank of York leads on 3 and Spratt Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.