Bank of Holland: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Holland, NY, Bank of Holland serves its local market as an FDIC-insured commercial bank, in the Buffalo metropolitan region. Bank of Holland's Q2 2026 balance sheet shows $262M in assets funded primarily by $234M in customer deposits. The bank posts a strong 1.51% ROA and 18.96% ROE. Regulatory capital is solid, 14.59% CET1 and 15.79% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.31%. 3 branches make up the footprint.
As of June 30, 2026, Bank of Holland reported a CET1 capital ratio of 14.59%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.31%, a Texas ratio of 2.61%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 12 S Main St, Holland, NY 14080
- County
- Erie
- Metro Area
- Buffalo-Cheektowaga, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 21, 1893
- Offices
- 3 domestic
- Employees (FTE)
- 37
- Domestic deposits
- $234.1M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1464
- Fed RSSD
- 941804
- Website
- www.bankofhollandny.com →
- Parent Holding Company
- HOLLAND BANCORP, INC. (RSSD 2960359)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Holland terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.59% | 1.51% | 0.31% | 2.61% | 3.80% |
| Q1 2026 | 14.12% | 1.22% | 0.28% | 2.79% | 3.82% |
| Q4 2025 | 14.20% | 1.16% | 0.42% | 3.97% | 4.05% |
| Q3 2025 | 13.90% | 1.25% | 0.24% | 3.16% | 4.08% |
| Q2 2025 | 13.50% | 1.00% | 0.31% | 3.43% | 3.84% |
| Q1 2025 | 13.73% | 1.04% | 0.50% | 5.07% | 3.70% |
| Q4 2024 | 13.11% | 0.41% | 0.37% | 4.68% | 3.60% |
| Q3 2024 | 13.25% | 1.00% | 0.41% | 4.15% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| East Aurora Office Branch | East Aurora , NY | 14052 | $113.8M |
| Bank of Holland (main office) | Holland , NY | 14080 | $70.5M |
| Elma Branch | Elma , NY | 14059 | $49.8M |
Regulatory record
What the public regulatory sources show for Bank of Holland, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 127 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 126 applications, 91 loans originated, $17.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Holland
What are Bank of Holland's total assets?
As of the Q2 2026 filing, Bank of Holland reported total assets of $261.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Holland headquartered?
Bank of Holland is headquartered in Holland, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Holland founded?
Bank of Holland was established in 1893, per the FDIC institution directory.
Is Bank of Holland FDIC-insured?
Yes. Bank of Holland is an FDIC-insured commercial bank (FDIC Certificate #1464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Holland?
Bank of Holland's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Holland's CET1 capital ratio?
Bank of Holland reported a Common Equity Tier 1 (CET1) capital ratio of 14.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Holland operate?
Bank of Holland operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Holland's Texas Ratio?
Bank of Holland's Texas Ratio is 2.61% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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