This institution is no longer active

Operations ceased on November 1, 2019. CRA examination history below reflects the period it was active.

BANK OF YORK

YORK, AL · Supervised by FDIC

Est. 1911FDIC #862RSSD: FDIC-862

Satisfactory Same

Current rating · Exam: September 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.60%

Is this bank safe?

BANK OF YORK holds a Satisfactory CRA rating (2018), meets basic financial requirements (ROA +0.60%).

Institution Profile

FDIC BankFind

Address

301 Broad Street, YORK, AL

County

Sumter County

Established

January 1, 1911

Total Assets

$102M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2018

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2019Call Report / FDIC

Total Assets

$102M

Total Deposits

$84M

Net Loans

$47M

Net Income

$471K

ROA

0.60%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.89%

Risk-Based Capital

18.22%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.60%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.22%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate15.38%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	52	71.15%	15.38%
2020	98	87.76%	6.12%
2019	124	88.71%	4.03%
2018	109	89.91%	4.59%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2018	Satisfactory	Small Bank
Jan 2013	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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