Holland, NY · Cert 1464 · Holland Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
79
Profitability
66
Liquidity
97
Efficiency
72
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Holland, NY · Cert 1464 · Holland Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 0.3% share · #14 of 20 inst. · $0.2B of $67.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.75% | 1.04% | 1.01% | 1.09% | 1.11% | 1.21% | 1.38% | +37 bps | |
| Return on Equity | 12.93% | 11.12% | 14.70% | 14.10% | 15.07% | 14.98% | 15.04% | 17.01% | +291 bps | |
| Net Interest Margin | 3.06% | 3.13% | 3.44% | 3.53% | 3.48% | 3.58% | 3.66% | 3.52% | -1 bps | |
| Efficiency Ratio | 69.37% | 73.27% | 65.12% | 65.11% | 63.54% | 63.48% | 62.22% | 56.87% | -824 bps | |
| Non-Interest Burden | 2.02% | 2.20% | 2.12% | 2.17% | 2.08% | 2.14% | 2.15% | 1.86% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.76% | 4.56% | 2.42% | 4.87% | 5.77% | 6.42% | 6.44% | 5.53% | +67 bps | |
| Loan Growth (YoY) | 10.60% | 8.65% | 7.69% | 5.69% | 5.39% | 4.32% | 2.83% | 1.28% | -441 bps | |
| Deposit Growth (YoY) | 3.27% | 4.32% | 1.70% | 4.05% | 5.21% | 5.41% | 5.49% | 4.51% | +46 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.48% | 0.53% | 0.37% | 0.36% | 0.47% | 0.34% | 0.33% | -4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.94% | 0.93% | 0.95% | 0.98% | 1.01% | 1.02% | 1.02% | 1.02% | +5 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.9x | 1.8x | 2.6x | 2.8x | 2.2x | 3.0x | 3.1x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.03% | 8.17% | 8.32% | 8.52% | 8.33% | 8.73% | 8.90% | 8.77% | +24 bps | |
| Total Risk-Based Capital | 14.39% | 14.23% | 14.93% | 14.69% | 15.13% | 15.43% | 15.33% | 15.79% | +110 bps | |
| Equity / Assets | 6.97% | 7.09% | 7.07% | 7.22% | 7.55% | 8.07% | 8.00% | 8.23% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.21% | 84.48% | 82.66% | 81.47% | 81.34% | 83.61% | 80.58% | 78.94% | -252 bps | |
| Liquid Assets / Assets | 2.63% | 2.08% | 2.02% | 2.72% | 2.30% | 4.07% | 2.13% | 2.06% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 251% | 248% | n/a | n/a | |
Holland, NY · Cert 1464 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Holland Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.34%
Rank 235 of 746
Net Interest Margin
3.52%
Rank 441 of 746
Efficiency Ratio
56.87%
Rank 212 of 746
Equity / Assets
8.23%
Rank 627 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.72% | 1.06% | 1.45% | Beats 68% | 235 / 746 | ||
| Return on Equity | 16.30% | 6.74% | 10.51% | 13.63% | Beats 89% | 85 / 746 | ||
| Net Interest Margin | 3.52% | 3.17% | 3.68% | 4.16% | Beats 41% | 441 / 746 | ||
| Efficiency Ratio | 56.87% | 55.74% | 64.58% | 75.47% | Beats 72% | 212 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.09% | 0.42% | 1.07% | Beats 57% | 317 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.59% | 11.55% | 13.75% | 17.60% | Beats 57% | 320 / 746 | ||
| Total Risk-Based Capital Ratio | 15.79% | 11.71% | 14.33% | 18.43% | Beats 61% | 289 / 746 | ||
| Equity / Assets | 8.23% | 8.90% | 10.51% | 13.06% | Beats 16% | 627 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.94% | 61.31% | 78.27% | 90.78% | 51st pctl | 362 / 746 | ||
| Loans / Assets | 70.65% | 53.60% | 66.97% | 76.08% | 59th pctl | 308 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||