Bank Of York vs Palmetto Citizens
Comparing a Bank in York, SC with a Credit Union in Columbia, SC using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bank Of York ↗ Bank · York, SC · Est. 1935 | Palmetto Citizens ↗ Credit Union · Columbia, SC · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | York, SC | Columbia, SC |
| Total assets | $308.9M | $1.5B |
| Capital ratio | 12.4% | 13.2% |
| Return on assets | 1.6% | 1.3% |
| Deposits | $267.8M | — |
| Branches | 4 | 86,899 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 44 | #2 of 46 |
| Established | 1935 | 1936 |
Bank Of York
- Assets: $308.9M
- Deposits: $267.8M
- Capital ratio: 12.4%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #1 of 44
Palmetto Citizens
- Assets: $1.5B
- Members: 86,899
- Capital ratio: 13.2%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #2 of 46
Are both institutions federally insured?
Yes. Bank Of York is FDIC-insured and Palmetto Citizens is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bank Of York or Palmetto Citizens?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bank Of York scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bank Of York safe?
Yes — Bank Of York is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Palmetto Citizens safe?
Yes — Palmetto Citizens is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bank Of York vs Palmetto Citizens?
Bank Of York has a capital ratio of 12.4%, placing it in the top 24% of $100M–1B peers. Palmetto Citizens's ratio is 13.2%, placing it in the top 17% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bank Of York have compared to Palmetto Citizens?
The CFPB database shows 0 complaints against Bank Of York, and 0 complaints against Palmetto Citizens. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bank Of York with other Banks in South Carolina
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
