Side-by-side · Q2 2026 data
Bank of Holland vs The Upstate National Bank
Metric by metric
| Measure | Bank of Holland | The Upstate National Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 63 |
| Capital cushion | 38 | 52 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 75 (stronger) | 23 |
| Funding & liquidity | 80 (stronger) | 50 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 43rd | 24th |
| Total assets | $261.6M | $294.8M |
| Deposits / shares | $234.1M | $208.8M |
| Capital ratio | 8.77% | 10.19% (stronger) |
| Problem loans | 0.33% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.38% (stronger) | 0.07% |
| Loans ÷ deposits | 78.1% (stronger) | 110.3% |
| Uninsured deposits | 16.6% | 10.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | — |
Bank of Holland has the higher TellerScore (70 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Bank of Holland leads on 3 and The Upstate National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.