Bank of Holland: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Holland of Holland, NY against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.51% | 1.34% | +0.17% | 64th above |
| ROAE | 18.96% | 13.32% | +5.64% | 83rd top |
| Net Interest Margin | 3.80% | 3.93% | -0.13% | 42nd below |
| Efficiency Ratio | 51.18% | 61.13% | -9.95% | 78th top |
| PPNR / Avg Assets | 1.91% | 1.68% | +0.23% | 68th above |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds | 1.30% | 1.88% | -0.58% | 80th top |
| Net Interest Spread | 3.25% | 3.32% | -0.07% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.94% | -0.63% | 57th above |
| NPA / Total Assets | 0.22% | 0.70% | -0.48% | 58th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 326.64% | 1546.46% | -1219.82% | 62nd above |
| Texas Ratio | 2.61% | 7.34% | -4.73% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.59% | 19.49% | -4.90% | 45th below |
| Tier 1 Ratio | 14.59% | 19.52% | -4.93% | 45th below |
| Total Capital Ratio | 15.79% | 20.61% | -4.82% | 45th below |
| Leverage Ratio | 8.77% | 12.14% | -3.37% | 9th bottom |
| Equity / Assets | 8.23% | 11.37% | -3.14% | 16th bottom |
| TCE / Tangible Assets | 8.23% | 11.08% | -2.85% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.94% | 80.66% | -1.72% | 53rd above |
| Core Deposit Ratio | 89.95% | 86.85% | +3.10% | 54th above |
| Wholesale Funding Ratio | 1.91% | 5.04% | -3.13% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.53% | 6.84% | -1.31% | 59th above |
| Loan Growth (Y/Y) | 1.28% | 7.92% | -6.64% | 28th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.51% | 6.29% | -1.78% | 54th above |
See Bank of Holland's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Holland, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Holland profile, how to read a UBPR, or how this data updates.