Bank of Holland: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 12.05 percentage points lower than in Q1 2026, at 156.13%. Bank of Holland ranks 68th of 105 New York banks on loan-to-deposit ratio, in the lower half at 78.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Bank of Holland reported 78.94% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $184.8M |
| Net loans and leases | $183.0M |
| Loans held for sale | $0 |
| Loans to total assets | 70.65% |
| Loan-to-deposit ratio | 78.94% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.68% |
| Multifamily (5+ residential) | 5.66% |
| Commercial and industrial | 1.91% |
| Consumer | 1.96% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 156.13% |
| Construction concentration (Tier 1 capital + allowance) | 45.72% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $157.7M | $208.0M | 13.80% | 3.03% | 2.37% |
| Q4 2023 | $162.7M | $200.6M | 14.78% | 2.50% | 2.31% |
| Q1 2024 | $167.2M | $214.1M | 14.98% | 2.55% | 2.35% |
| Q2 2024 | $172.7M | $215.3M | 15.36% | 2.52% | 2.30% |
| Q3 2024 | $174.5M | $214.9M | 15.03% | 2.39% | 2.29% |
| Q4 2024 | $176.8M | $209.2M | 14.66% | 2.40% | 2.23% |
| Q1 2025 | $180.0M | $217.8M | 15.95% | 2.03% | 2.19% |
| Q2 2025 | $182.5M | $224.0M | 16.09% | 2.19% | 2.20% |
| Q3 2025 | $183.9M | $226.0M | 15.89% | 2.18% | 2.08% |
| Q4 2025 | $184.4M | $220.5M | 16.14% | 1.80% | 2.08% |
| Q1 2026 | $185.1M | $229.7M | 16.52% | 1.79% | 2.02% |
| Q2 2026 | $184.8M | $234.1M | 16.68% | 1.91% | 1.96% |
Bank of Holland loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Holland, freeSource: Call Report Schedule RC-C, 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)