YO
Yorkshire Building Society
Building society · UKAA · LEI WXD0EHQRPI7HKN3I5T57
Counterparty scoreBand A
85
Rating75w 40
Capital92w 25
Liquidity100w 15
Stability91w 10
Assets—w 5
Profit62w 5
Rating anchor and public pillars with published weights (w). Market overlay 0.0, bounded at ±10. Method
CET1 ratio
19.2%
+0.6 vs prior2026-06-30
Leverage ratio
7.1%
+0.2 vs prior2026-06-30
Total capital
19.7%
+0.5 vs prior2026-06-30
LCR
229%
+4.1 vs prior2026-06-30
NSFR
158%
+3.3 vs prior2026-06-30
Risk-weighted assets
22.5bn
+0.0% vs prior2026-06-30
15 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Balance sheet
Rating history
Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
2upgrades
1.0notch stronger
AAACCCpositive outlookstablenegativewent on watch
Every move since 2015
- 2026-05-12↑Fitch upgrade A- → A · 1 notch
- 2024-07-08↑Moody's upgrade A3 → A2 · 1 notch
Every rating held today
| Agency | Type | Rating | Outlook | Date |
|---|---|---|---|---|
| Fitch | issuer default · long-term | A | stable | 2026-05-12 |
| Fitch | issuer default · short-term | F1 | — | 2026-05-12 |
| Moody's | counterparty · long-term | Aa3 | — | 2026-05-15 |
| Moody's | deposit · long-term | A2 | stable | 2026-05-15 |
| Moody's | counterparty · short-term | P-1 | — | 2026-05-15 |
| Moody's | deposit · short-term | P-1 | — | 2026-05-15 |
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 months
Not listed, or no price data collected.
30-day realised volatility—
Drawdown from 52-week high—
Market signal Stable (bonds)
Last price—
Bond yields vs peers, 31-day−2 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-08-07info
Pillar 3 report for the period to 2026-06-30 published: ybs-pillar-3-disclosures-half-year-2026
firm website
2026-05-15info
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
2026-05-15info
Moody's affirmation: Deposit Rating A2
ESMA European Rating Platform
2026-05-15info
Moody's affirmation: Counterparty Risk Rating Aa3
ESMA European Rating Platform
2026-05-15info
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
2026-05-15info
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
2026-05-12info
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
2026-05-12good
Fitch upgrade: Long Term Issuer Default Rating A
ESMA European Rating Platform
2026-05-12info
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
2026-04-24info
Pillar 3 report for the period to 2026-03-31 published: ybs-q1-pillar-3-20260331
firm website
2026-02-25info
Pillar 3 report for the period to 2025-12-31 published: ybs-pillar-3-disclosures-annual-2025
firm website
2025-11-13info
Pillar 3 report for the period to 2025-09-30 published: ybs-pillar-3-disclosures-q3-2025-pdf
firm website
2025-09-30info
Pillar 3 report for the period to 2025-06-30 published: ybs-pillar-3-disclosures-half-year-2025-pdf
firm website
2025-09-24info
Fitch affirmation: Derivative Counterparty Rating A(dcr)
ESMA European Rating Platform
2025-09-24info
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
2025-09-24info
Fitch affirmation: Long Term Issuer Default Rating A-
ESMA European Rating Platform
2025-09-24info
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
2025-05-13info
Pillar 3 report for the period to 2025-03-31 published: ybs-pillar-3-disclosures-q1-2025-pdf
firm website
2025-02-28info
Pillar 3 report for the period to 2024-12-31 published: ybs-q4-pillar-3-20241231-pdf
firm website
Documents and feeds
Firm's Pillar 3 disclosures · read from the PDF, prior-period column
7 documents · 8 metrics · 2023-12-31 to 2026-06-30
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
3 documents · 6 metrics · 2020-12-31 to 2025-12-31
Latest value of every metric held
| Metric | Value | Reference date | Source | Confidence |
|---|---|---|---|---|
| CET1 capital ratio | 19.20 | 2026-06-30 | Firm's Pillar 3 disclosures · read from the PDF | 0.98 |
| Total deposits (currency millions) | 52,913.70 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.85 |
| Cost-to-income or efficiency ratio | 51.89 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.75 |
| Liquidity coverage ratio | 228.60 | 2026-06-30 | Firm's Pillar 3 disclosures · read from the PDF | 0.98 |
| Leverage ratio | 7.10 | 2026-06-30 | Firm's Pillar 3 disclosures · read from the PDF | 0.98 |
| Net interest margin | 1.32 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.75 |
| Net stable funding ratio | 158.00 | 2026-06-30 | Firm's Pillar 3 disclosures · read from the PDF | 0.98 |
| Overall capital requirement | 12.50 | 2026-06-30 | Firm's Pillar 3 disclosures · read from the PDF | 0.98 |
| Return on assets | 0.42 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.85 |
| Return on equity | 6.71 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.85 |
| Risk-weighted assets (currency millions) | 22,546.00 | 2026-06-30 | Firm's Pillar 3 disclosures · read from the PDF | 0.98 |
| Tier 1 capital ratio | 19.20 | 2026-06-30 | Firm's Pillar 3 disclosures · read from the PDF | 0.98 |
| Total assets (currency millions) | 66,330.30 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.85 |
| Total capital ratio | 19.70 | 2026-06-30 | Firm's Pillar 3 disclosures · read from the PDF | 0.98 |