FDIC Cert #9661 · Holyrood, Kansas · Est. 1887

Bank of Holyrood - FDIC Bank Health Profile

A community-scale look at Bank of Holyrood's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$65M
Total assets
A
Health grade · Excellent
1.11%
Return on assets
27.1%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Holyrood earns a PlainBankData health grade of A (88/100), with well-capitalized at 27.11% Tier 1, profitable at 1.11% ROA, efficient (59% cost ratio).

#4,018
largest of 4,313 FDIC banks by assets
7th
percentile by asset size, nationally
27.11%
Tier 1 ratio - above the 10% well-capitalized line
51st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 9661 · KS A · 88/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (88/100)
  • MID-PACK #1130/4307
  • PHOTO-FINISH Edmonton State Bank · KY
  • TIER1-WELL 27.1% Tier 1
  • TEXAS-CLEAN 11.0% Texas
  • ROA-PAR 1.11% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Edmonton State Bank, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Holyrood

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Adams State Bank · NE · near88/100Bank of Holyrood · KS · this…88/100Capital City Bank · FL · near88/100Edmonton State Bank · KY · n…88/100Midwest Bank · MN · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Holyrood · July 2026

Call Report read for Bank of Holyrood in a high-failure state

Bank of Holyrood (FDIC Cert #9661) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,130 of 4,307. Tier 1 capital prints at 27.11%, clearing the 10% well-capitalized line. The Texas Ratio is 10.98%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.11%. Balance-sheet scale is $65M, 4,018th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Edmonton State Bank (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Holyrood

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

Bank of Holyrood sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Bank of Holyrood's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How Bank of Holyrood's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Bank of Holyrood's composite health score
Tier 1 Capital Ratio (27.11%) 40/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (10.98%) 16/20
Efficiency Ratio (58.50%) 12/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$65M

Total balance-sheet footings

Total Deposits

$54M

Customer-funded liabilities

Net Loans

$40M

Outstanding loan book

Net Income

$722K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 25.71% 27.11% 28.51%
Basel III capital ratios - Bank of Holyrood

Where Bank of Holyrood ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Holyrood's score of 88/100 falls in the highlighted band.

Bank of Holyrood: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 26% higher than 74% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Holyrood 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Holyrood's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Holyrood's $65M falls in the highlighted band.

Capital & credit buffers at Bank of Holyrood

Tier 1 capital ratio
Well-capitalized 10%

27.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
27.11%
Texas Ratio
10.98%
Equity Capital
$11M

What these ratios mean →

Earnings posture at Bank of Holyrood

Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
7.10%
Efficiency Ratio
58.50%

What these mean →

Income & expense at Bank of Holyrood

$3M
Interest Income
$30K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Holyrood reports a Texas Ratio of 10.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Holyrood on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($65M here), outside Kansas so the neighborhood is not state containment.

Fidelity Personal Trust Company, FSB $64M · NH Anchor State Bank $65M · IL Latimer State Bank $65M · OK Oklahoma State Bank $64M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Holyrood (FDIC Cert #9661) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

Bank of Holyrood Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%