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 | |