Bank of Holland: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 40.67 percentage points lower than in Q1 2026, at 326.64%. Within New York, Bank of Holland is 20th of 105 on return on assets, 1.51% as of Q2 2026, above the middle of the field. Bank of Holland reported 1.51% on return on assets for Q2 2026, 0.26 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.59% |
| Tier 1 risk-based capital ratio | 14.59% |
| Total risk-based capital ratio | 15.79% |
| Tier 1 leverage ratio | 8.77% |
| Equity capital to assets | 8.23% |
| Tangible equity to tangible assets | 8.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.61% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 326.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 18.96% |
| Net interest margin | 3.80% |
| Efficiency ratio | 51.18% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.94% |
| Core deposits to total deposits | 89.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.50% |
| Securities to assets | 18.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.95% | 12.95% | 14.10% | 7.91% | 1.05% |
| Q4 2023 | 12.93% | 12.93% | 14.06% | 8.12% | 0.50% |
| Q1 2024 | 12.63% | 12.63% | 13.74% | 8.07% | 0.81% |
| Q2 2024 | 13.52% | 13.52% | 14.68% | 7.90% | 0.78% |
| Q3 2024 | 13.25% | 13.25% | 14.39% | 8.03% | 1.00% |
| Q4 2024 | 13.11% | 13.11% | 14.23% | 8.17% | 0.41% |
| Q1 2025 | 13.73% | 13.73% | 14.93% | 8.32% | 1.04% |
| Q2 2025 | 13.50% | 13.50% | 14.69% | 8.52% | 1.00% |
| Q3 2025 | 13.90% | 13.90% | 15.13% | 8.33% | 1.25% |
| Q4 2025 | 14.20% | 14.20% | 15.43% | 8.73% | 1.16% |
| Q1 2026 | 14.12% | 14.12% | 15.33% | 8.90% | 1.22% |
| Q2 2026 | 14.59% | 14.59% | 15.79% | 8.77% | 1.51% |
Bank of Holland vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Holland, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)