Bank of Holland
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Data as of · sourced from FFIEC call reports. How we update
Bank of Holland is an FDIC-insured commercial bank headquartered in Holland, NY, established in 1893 (FDIC certificate 1464), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $261.6M, up 5.5% from Q2 2025, the 87th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 14.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1464
- Headquarters
- Holland, NY
- Established
- 1893
- Total assets, Q2 2026
- $261.6M
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 14.59%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 022307600
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Holland call report
- Holding company
- HOLLAND BANCORP, INC.
- Asset rank in state
- 87th of 105 in New York
Bank of Holland operates with a thinner capital cushion than most banks of its size. It reported $262 million in assets at June 30, 2026, up 5.5% from a year earlier. It funds 8.77% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it returns 19.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Earnings jumped: net income for the quarter was $996,000, 68% above the same quarter a year earlier. Over the same year, loans grew 1.3% and deposits grew 4.5%.
As of June 30, 2026, Bank of Holland reported a CET1 capital ratio of 14.59%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Holland is the 87th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $261.6M, loans fell 0.1% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 67.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 9.3%. Its 3 offices in the FDIC Summary of Deposits are in East Aurora, NY, Holland, NY and Elma, NY; its East Aurora office books 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Holland meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12 S Main St, Holland, NY 14080
- County
- Erie
- Metro Area
- Buffalo-Cheektowaga, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 21, 1893
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $234.1M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $263.4M
- Average total loans
- $184.7M
- Average interest-bearing deposits
- $147.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1464
- Fed RSSD
- 941804
- Website
- www.bankofhollandny.com →
- Parent Holding Company
- HOLLAND BANCORP, INC. (RSSD 2960359)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of Holland's total assets moved between a low of $221.4M (Q4 2023) and a high of $261.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$261.6M total assets against $247.9M; $240.1M total liabilities against $230.0M.
$183.0M net loans and leases against $180.7M; $234.1M total deposits against $224.0M.
$47.6M securities against $38.9M; $24.2M cash and balances due against $21.5M.
$3.1M total interest income against $2.9M; $714K total interest expense against $744K.
$2.4M net interest income against $2.2M.
$241K total noninterest income against $226K; $1.4M total noninterest expense against $1.6M.
$0 provision for credit losses against $78K.
$996K net income against $592K.
1.51% return on assets against 1.00%; 3.80% net interest margin against 3.84%.
14.59% CET1 capital ratio against 13.50%; 8.77% tier 1 leverage ratio against 8.52%.
Inside the full Bank of Holland terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 856 of 3,606, for efficiency ratio; its furthest is 2,642 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q4 2024) to 1.51% (Q2 2026) and its net interest margin ran from 3.44% (Q3 2024) to 4.08% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.59% | 1.51% | 0.33% | 2.61% | 3.80% |
| Q1 2026 | 14.12% | 1.22% | 0.34% | 2.79% | 3.82% |
| Q4 2025 | 14.20% | 1.16% | 0.47% | 3.97% | 4.05% |
| Q3 2025 | 13.90% | 1.25% | 0.36% | 3.16% | 4.08% |
| Q2 2025 | 13.50% | 1.00% | 0.37% | 3.43% | 3.84% |
| Q1 2025 | 13.73% | 1.04% | 0.53% | 5.07% | 3.70% |
| Q4 2024 | 13.11% | 0.41% | 0.48% | 4.68% | 3.60% |
| Q3 2024 | 13.25% | 1.00% | 0.43% | 4.15% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| East Aurora Office Branch | East Aurora , NY | 14052 | $113.8M |
| Bank of Holland (main office) | Holland , NY | 14080 | $70.5M |
| Elma Branch | Elma , NY | 14059 | $49.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 127 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 126 applications, 91 loans originated, $17.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $81K approved, $27K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Holland
What are Bank of Holland's total assets?
As of the Q2 2026 filing, Bank of Holland reported total assets of $261.6 million in its FFIEC call report.
Where is Bank of Holland headquartered?
It is headquartered in Holland, NY, United States.
When was Bank of Holland founded?
It was established in 1893, per the FDIC institution directory.
Is Bank of Holland FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Holland?
Bank of Holland's primary federal regulator is the FDIC.
What is Bank of Holland's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Holland operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Holland's Texas Ratio?
Its Texas Ratio is 2.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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