Bank of Holland: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Total equity capital rose 5.1% from Q1 2026 to Q2 2026, ending at $21.5M against $20.5M. It was the largest change among the key lines on this page. Bank of Holland ranks 50th of 82 New York banks on CET1 ratio, in the lower half at 14.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Holland sits 0.48 points lower, at 14.59% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.59% |
| Tier 1 risk-based capital ratio | 14.59% |
| Total risk-based capital ratio | 15.79% |
| Tier 1 leverage ratio | 8.77% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $23.1M |
| Tier 1 capital | $23.1M |
| Total risk-based capital | $25.0M |
| Total equity capital | $21.5M |
| Risk-weighted assets | $158.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.23% |
| Tangible equity to tangible assets | 8.23% |
| Equity capital to average assets | 8.18% |
| Internal capital growth rate | 19.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $56K |
| Common stock surplus | $0 |
| Retained earnings | $23.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.95% | 12.95% | 14.10% | 7.91% | $135.3M |
| Q4 2023 | 12.93% | 12.93% | 14.06% | 8.12% | $137.7M |
| Q1 2024 | 12.63% | 12.63% | 13.74% | 8.07% | $142.7M |
| Q2 2024 | 13.52% | 13.52% | 14.68% | 7.90% | $136.7M |
| Q3 2024 | 13.25% | 13.25% | 14.39% | 8.03% | $143.1M |
| Q4 2024 | 13.11% | 13.11% | 14.23% | 8.17% | $146.5M |
| Q1 2025 | 13.73% | 13.73% | 14.93% | 8.32% | $142.8M |
| Q2 2025 | 13.50% | 13.50% | 14.69% | 8.52% | $149.7M |
| Q3 2025 | 13.90% | 13.90% | 15.13% | 8.33% | $150.2M |
| Q4 2025 | 14.20% | 14.20% | 15.43% | 8.73% | $152.0M |
| Q1 2026 | 14.12% | 14.12% | 15.33% | 8.90% | $156.4M |
| Q2 2026 | 14.59% | 14.59% | 15.79% | 8.77% | $158.2M |
Bank of Holland regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Holland, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Holland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1464) · FFIEC NIC profile (RSSD 941804)