Bank Comparison
First National Bank in Trinidad vs Bank of Holland
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank in Trinidad | Bank of Holland |
|---|---|---|
| CET1 Ratio | — | 14.12% |
| Tier 1 Capital Ratio | — | 14.12% |
| Total Capital Ratio | — | 15.33% |
| Tier 1 Leverage Ratio | 10.68% | 8.90% |
| Equity / Assets | 5.89% | 8.00% |
Profitability
| Metric | First National Bank in Trinidad | Bank of Holland |
|---|---|---|
| Return on Assets (ROA) | 0.44% | 1.22% |
| Return on Equity (ROE) | 7.39% | 15.04% |
| Net Interest Margin (NIM) | 3.58% | 3.82% |
| Yield on Earning Assets | 4.32% | 5.01% |
| Cost of Funds | 0.76% | 1.24% |
Asset quality
| Metric | First National Bank in Trinidad | Bank of Holland |
|---|---|---|
| Texas Ratio | 7.50% | 2.79% |
| Non-Performing Loan Ratio | 0.92% | 0.28% |
| Non-Performing Asset Ratio | 0.50% | 0.20% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.53% | 1.02% |
Balance sheet
| Metric | First National Bank in Trinidad | Bank of Holland |
|---|---|---|
| Total Assets | $255,985K | $256,103K |
| Total Deposits | $240,710K | $229,713K |
| Total Loans | $139,710K | $185,098K |
| Total Equity | $15,078K | $20,491K |
| Net Income (quarter) | $284 | $759 |
Liquidity & funding
| Metric | First National Bank in Trinidad | Bank of Holland |
|---|---|---|
| Loan-to-Deposit Ratio | 58.04% | 80.58% |
| Core Deposit Ratio | 99.44% | 90.28% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in Trinidad | Bank of Holland |
|---|---|---|
| Headquarters City | TRINIDAD | HOLLAND |
| Headquarters State | CO | NY |
| Asset Tier | Small | Small |
| Charter Class | 14222 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 64 | 37 |
| Established | April 16, 1875, midnight | Oct. 21, 1893, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First National Bank in Trinidad profile | View full Bank of Holland profile | Browse all bank comparisons