TellerScore

Headquartered in Holland, New York, Bank of Holland is a state-chartered bank with $261.6M in total assets and $234.1M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1893.

Bank of Holland has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 42nd. Problem-loan coverage contributes the most (95/100, 2.6%); capital cushion contributes the least (38/100, 8.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.77%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.33%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 78.1% · 16.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (66 → 70), mostly because the earnings component improved by 15 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202461
Q1 202564
Q2 202566
Q3 202566
Q4 202566
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%6.95%8.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.90%
Q3 20248.03%
Q4 20248.17%
Q1 20258.32%
Q2 20258.52%
Q3 20258.33%
Q4 20258.73%
Q1 20268.90%
Q2 20268.77%
Noncurrent loans
0.33%0.43%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.43%
Q4 20240.48%
Q1 20250.53%
Q2 20250.37%
Q3 20250.36%
Q4 20250.47%
Q1 20260.34%
Q2 20260.33%
Return on assets
0.75%1.06%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.86%
Q4 20240.75%
Q1 20251.04%
Q2 20251.01%
Q3 20251.09%
Q4 20251.11%
Q1 20261.21%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$261.6M8.77%0.33%1.38%78.1%
Q1 202669$256.1M8.90%0.34%1.21%79.8%
Q4 202566$246.3M8.73%0.47%1.11%82.8%
Q3 202566$251.0M8.33%0.36%1.09%80.5%
Q2 202566$247.9M8.52%0.37%1.01%80.7%
Q1 202564$240.6M8.32%0.53%1.04%81.9%
Q4 202461$231.5M8.17%0.48%0.75%83.7%
Q3 202463$237.3M8.03%0.43%0.86%80.4%
Q2 202462$236.4M7.90%0.35%0.78%79.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.77%
9th
Total risk-based capital15.79%
72nd
Problem loans0.33%
55th
Net charge-offs0.00%
68th
Return on assets1.38%
58th
Net interest margin3.76%
40th
Efficiency ratio56.9%
67th
Loans to deposits78.1%
53rd
Uninsured deposits16.6%
77th
Loan-loss reserves1.02%
29th
Texas ratio2.6%
51st

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Cayuga Lake National BankBank Union Springs, NY44 out of 100, Below average$273.7M9.3%2.46%vs
Sawyer Savings BankBank Saugerties, NY44 out of 100, Below average$284.7M11.0%2.57%vs
Alpine Capital BankBank New York, NY77 out of 100, Strong$237.3M13.7%0.00%vs
The Upstate National BankBank Ogdensburg, NY63 out of 100, Moderate$294.8M10.2%0.00%vs
Global BankBank New York, NY36 out of 100, Low$304.2M12.1%4.49%vs
American Community BankBank Glen Cove, NY78 out of 100, Strong$306.5M13.4%0.00%vs

Deposit insurance

Is my money safe at Bank of Holland?

Yes. Bank of Holland is an FDIC-insured institution (FDIC certificate #1464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.6% of deposits ($38.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.77%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.79% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank of Holland lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Holland reported 126 home-loan applications under HMDA (LEI 254900AU2FARCMPNA566): 91 originated ($17,495,000 total), 27 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Holland
Type
State-chartered bank
FDIC certificate #
1464
RSSD ID
941804
Primary regulator
FDIC
Holding company
Holland Bcorp Inc
Established
October 21, 1893
Headquarters
12 S Main St, Holland, NY 14080
Employees
37

Quick answers

Bank of Holland: common questions

Is Bank of Holland FDIC insured?

Yes. Bank of Holland is an FDIC-insured institution (FDIC certificate #1464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Holland's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Holland ever failed?

There is no failure record for FDIC certificate #1464 in the FDIC failed bank list.

How many branches does Bank of Holland have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Holland

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Gowanda Area Federal Credit UnionCredit union Gowanda, NY99 out of 100, Very strong$33.5M16.1%0.00%vs
Genesee Valley Federal Credit UnionCredit union Geneseo, NY98 out of 100, Very strong$175.9M16.6%0.19%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs