Bank of Holland
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
$261.6MAssets
$184.8MLoans
$234.1MDeposits
$21.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: equity / assets trails 84% of banks under $1B in assets operating in a single state (rank 627 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 72% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |