BANK OF HOLLAND

HOLLAND, NY | Small | Est. Oct. 21, 1893, midnight | FDIC #1464 | RSSD #941804 | FDIC
Latest Report: 2025-12-31

BANK OF HOLLAND is asn small FDIC-insured commercial bank headquartered in HOLLAND, NY, established in Oct. 21, 1893, midnight. As of 2025-12-31, the bank reported total assets of $246M and total deposits of $221M. Profitability stands at 1.15% ROA and 14.73% ROE, with a net interest margin of 4.04%. The bank's CET1 capital ratio is 14.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 3.54%. FDIC Certificate #1464.

Assets

$246M

Deposits

$221M

Loans

$184M

Equity

$20M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 14.73%
Net Interest Margin (NIM) 4.04%
Yield on Assets 5.35%
Cost of Funds 1.32%

Asset Quality

NPL Ratio 0.42%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.54%
NPA Ratio 0.31%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 14.20%
Tier 1 Capital 14.20%
Total Capital Ratio 15.43%
Leverage Ratio 8.73%
Loan-to-Deposit 83.61%

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