The Bank of Holyrood
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Holyrood is an FDIC-insured commercial bank headquartered in Holyrood, KS, established in 1887 (FDIC certificate 9661), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $69.8M, up 6.9% from Q2 2025, the 153rd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 26.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9661
- Headquarters
- Holyrood, KS
- Established
- 1887
- Total assets, Q2 2026
- $69.8M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 26.92%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101108762
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Holyrood Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- HOLYROOD BANCSHARES, INC.
- Asset rank in state
- 153rd of 182 in Kansas
The Bank of Holyrood runs leaner than most banks of its size. Its balance sheet stood at $70 million at June 30, 2026, up 6.9% from a year earlier; it is based in Holyrood, Kansas. It spends about 51 cents to bring in each dollar of revenue, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 69 cents). On the other hand, it carries problem assets equal to 12.4% of the capital and reserves that would absorb them, 9.0 times the median of 1.4% for banks its size.
Earnings jumped: net income for the quarter was $262,000, 44% above the same quarter a year earlier. Over the same year, loans shrank 3.4% and deposits grew 7.2%.
As of June 30, 2026, The Bank of Holyrood reported a CET1 capital ratio of 26.92%, a return on assets of 1.49%, a nonperforming-loan ratio of 2.92% and a Texas ratio of 12.40%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Holyrood is the 153rd largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $69.8M, loans rose 2.4% and deposits rose 0.9%. Commercial and industrial loans made up 32.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.8%. Its one office in the FDIC Summary of Deposits is in Holyrood, KS. By the capital ratios in its Q2 2026 call report, The Bank of Holyrood meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Main St, Holyrood, KS 67450
- County
- Ellsworth
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1887
- Former names
- Bank of Holyrood (1987)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $58.9M
- Allowance for credit losses
- $653K
- Net charge-offs (YTD)
- $145K
- Average total assets
- $70.5M
- Average total loans
- $40.5M
- Average interest-bearing deposits
- $44.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9661
- Fed RSSD
- 871358
- Website
- www.bankofholyrood.com →
- Parent Holding Company
- HOLYROOD BANCSHARES, INC. (RSSD 1062788)
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
The Bank of Holyrood's total assets moved between a low of $63.4M (Q4 2024) and a high of $69.8M (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
$69.8M total assets against $65.3M; $59.1M total liabilities against $55.1M.
$40.0M net loans and leases against $41.5M; $58.9M total deposits against $54.9M.
$23.2M securities against $15.8M; $4.9M cash and balances due against $6.3M.
$905K total interest income against $853K; $261K total interest expense against $273K.
$644K net interest income against $580K.
$6K total noninterest income against $5K; $338K total noninterest expense against $333K.
$60K provision for credit losses against $60K.
$262K net income against $182K.
1.49% return on assets against 1.09%; 3.86% net interest margin against 3.62%.
26.92% CET1 capital ratio against 25.64%; 16.68% tier 1 leverage ratio against 17.15%.
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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.24% (Q4 2024) to 1.60% (Q1 2025) and its net interest margin ran from 3.50% (Q1 2026) to 3.99% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.92% | 1.49% | 2.92% | 12.40% | 3.86% |
| Q1 2026 | 27.13% | 1.07% | 3.14% | 12.93% | 3.50% |
| Q4 2025 | 27.11% | 1.04% | 3.08% | 14.25% | 3.71% |
| Q3 2025 | 26.80% | 0.62% | 2.36% | 11.96% | 3.65% |
| Q2 2025 | 25.64% | 1.09% | 3.03% | 14.54% | 3.62% |
| Q1 2025 | 25.46% | 1.60% | 1.30% | 7.24% | 3.90% |
| Q4 2024 | 24.50% | 0.24% | 1.26% | 7.65% | 3.99% |
| Q3 2024 | 24.51% | 1.45% | 1.27% | 7.27% | 3.82% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| Bank of Holyrood | Holyrood , KS | 67450 | $58.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 184 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Bank of Holyrood
What are The Bank of Holyrood's total assets?
As of the Q2 2026 filing, The Bank of Holyrood reported total assets of $69.8 million in its FFIEC call report.
Where is The Bank of Holyrood headquartered?
It is headquartered in Holyrood, KS, United States.
When was The Bank of Holyrood founded?
It was established in 1887, per the FDIC institution directory.
Is The Bank of Holyrood FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Holyrood?
The Bank of Holyrood's primary federal regulator is the Federal Reserve.
What is The Bank of Holyrood's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Holyrood operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Holyrood's Texas Ratio?
Its Texas Ratio is 12.40% 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.
What was The Bank of Holyrood previously called?
The charter now named The Bank of Holyrood has also operated as Bank of Holyrood (1987), per FDIC structure-change records.
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