Total Assets
$246M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Bank of Holland — FDIC Bank Health Profile
Holland, New York · Est. 1893. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #1464 New York Region
C
Health grade
Fair
Score: 63/100
Basel III capital ratios — Bank of Holland
Total Deposits
$221M
Customer-funded liabilities
Net Loans
$183M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
14.20% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
14.20%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$20M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.11%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
14.98%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
63.48%
Income & Expense Breakdown
$12M
Interest Income
$874K
Non-Interest Income
$6M
Non-Interest Expense
FDIC Deposit Insurance
Bank of Holland is FDIC-insured (Certificate #1464). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Bank of Holland
Bank of Holland is an FDIC-insured institution (Certificate #1464) headquartered in Holland, New York, established in 1893. The bank currently holds $246M in total assets and $221M in customer deposits, with $183M deployed as loans. It operates as a State chartered (State member bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Bank of Holland reports a Tier 1 Capital Ratio of 14.20% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $20M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.11% and a Return on Equity of 14.98%, with an Efficiency Ratio of 63.48% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (63/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Bank of Holland is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in New York by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Bank of Holland (FDIC Cert #1464) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USA New York | $645.0B | B | 1.42% |
| The Bank of New York Mellon New York | $381.0B | B | 1.31% |
| Morgan Stanley Private Bank, National Association Purchase | $254.7B | B | 1.10% |
| Manufacturers and Traders Trust Company Buffalo | $212.9B | B | 1.40% |
| Flagstar Bank, National Association Hicksville | $87.5B | D | -0.14% |
| Bank of China New York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company Americas New York | $43.0B | A | 1.86% |
| State Bank of India New York | $22.6B | F | 0.00% |
Frequently Asked Questions
What is Bank of Holland's health grade? ▼
Bank of Holland receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Holland? ▼
Bank of Holland holds $246M in total assets and $221M in deposits. It is headquartered in Holland, New York.
Is my money safe at Bank of Holland? ▼
Yes. Bank of Holland is FDIC-insured (Certificate #1464). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Bank of Holland's Tier 1 Capital Ratio? ▼
Bank of Holland has a Tier 1 Capital Ratio of 14.20%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Bank of Holland? ▼
Bank of Holland has an Efficiency Ratio of 63.48%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.