Total Assets
$65M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$54M
Customer-funded liabilities
Net Loans
$40M
Outstanding loan book
Net Income
$722K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
7.10%
Efficiency Ratio
58.50%
What the numbers say about Bank of Holyrood
Bank of Holyrood is an FDIC-insured institution (Certificate #9661) headquartered in Holyrood, Kansas, established in 1887. It holds $65M in total assets - 4,018th of 4,313 FDIC-insured banks, $54M in customer deposits, and $40M in net loans. Its capital position: a Tier 1 ratio of 27.11%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 10.98% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Holyrood is a community-scale institution -- 159th of 188 FDIC-insured banks headquartered in Kansas by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Kansas by total assets
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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bank of Holyrood's health grade?▼
Bank of Holyrood receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Holyrood?▼
Bank of Holyrood holds $65M in total assets and $54M in deposits, ranking 4,018th of 4,313 FDIC-insured banks by asset size. It is headquartered in Holyrood, Kansas.
Is my money safe at Bank of Holyrood?▼
Yes, deposits at Bank of Holyrood (Certificate #9661) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Holyrood's Tier 1 Capital Ratio?▼
Bank of Holyrood has a Tier 1 Capital Ratio of 27.11%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Holyrood?▼
Bank of Holyrood has a Texas Ratio of 10.98%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Holyrood?▼
Bank of Holyrood has an Efficiency Ratio of 58.50%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Holyrood's profile as a depositor or analyst.
- Bank of Holyrood's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Holyrood against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.