# BANK OF HOLLAND
HOLLAND, NY · FDIC certificate 1464 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $261.6M | |
| Deposits | $234.1M | |
| Loans and leases | $184.8M | |
| Total equity | $21.5M | |
| Loans / deposits | 78.14% (p59 of band) | 73.59% |
| Liquid assets / assets | 27.45% (p37 of band) | |
| Uninsured deposits / deposits | 16.60% (p37 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.91% (p59 of band) | |
| FHLB advances / assets | 1.91% | |
| Tier 1 leverage | 8.77% (p8 of band) | 11.76% |
| Unrealized securities loss / equity | -6.51% (p50 of band) | -6.57% |
| AOCI / equity | 0.72% (p96 of band) | |
| ROA (annualized) | 1.38% (p62 of band) | 1.17% |
| Net interest margin | 3.76% (p41 of band) | 3.93% |
| Efficiency ratio | 56.87% (p27 of band) | |
| Noncurrent loans | 0.33% (p48 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 308.50% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 53.01% (p81 of band) | |
| Auto loans | $278,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | reserve under noncurrent | capital falling |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | reserve under noncurrent | capital falling |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 2 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 0 |  | reserve under noncurrent, capital falling |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 1 | securities losses >30% of equity | capital falling |
| 2023-12 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2024-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-06-15 [Bank of Holland’s new chief lending officer sees a bright future for community banks - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNelpiZ0czZ3JfbjFZbzNSMklkcHpJN2RlOEVkdl93Y1dFalZIM2FMb0FBeFAwN3Q5Q3Fwa3FPZ2hpNWZCaVBxcnlwVU10bnpLWU1XMk40UXVzSFZURVFpWmNYdVY0TVljekRmYXpGUjVNOEJ3bTU4M3JTOHZRMXkwc3FJLVVnZUd4anVka2NHT0NqRWV1M196SjZ4R0x4OUtyVWxBVUoyYnk0NW8?oc=5) · The Business Journals
- 2026-02-20 [Prospectus: Smaller banks get snapped up in wave of consolidation - Buffalo News](https://news.google.com/rss/articles/CBMimAFBVV95cUxQQ2RqMGxoM3p0dkxDZUIyTi1BS0pGSXFWVVZLTEl0ZXh3NkN1ejkxRHRveEZmYXNxcl9OZDFCbzlWN0lLQ3ZqUDNvZ0c4cTJCT2E1UFF1WWJKY2RCakk3cXUzWmhQaTBKTEt1VTdqdW03SnY5V1pkUjNKc0drS0hEVWFqZGlSb0M1LUFtSm51eXVuTzR1WDVhYg?oc=5) · Buffalo News
- 2024-06-06 [Richard Eugene Engle, Angelica - the wellsville sun](https://news.google.com/rss/articles/CBMifEFVX3lxTE0xRXB6VkpNU1ZIeVBBcDZEcWdnN3J6VV9DdWFDT2tSZ0xnOW42blJfempDaFhMNm03TW0ySThOQXh2eVZUSFhwR3FwRFN3SHZSbjdUYWRIdlE4N3NvalhZNWIteHpNb2c5NUhFVXRoM2xqeER2a0c4eW9MZHE?oc=5) · the wellsville sun
- 2016-03-09 [Under new leadership, Bank of Holland expands its retail branch network - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNWW9haTQtdi1SdE5CcS1nTFhxd2RSRGQ4UlZUQlFndlVTT3kxUnkxYVNUMVMtZHh5YndROGdlME9WYXhYdUhzRkxQM29ZX0YzZk9XVFgwMDlhNV9NVktRb1YxYWJfUjJLSVMwbGRON0Y1NXZDblkya2JaTVEwTnBwa21GMFNFZk9aa1RKc2Nsc1Fzay1RZzZQZHBUcGdmX2h2OTBwWFRfdG0?oc=5) · The Business Journals
- 2009-06-11 [Lineup announced for Street Performer Series - The Holland Sentinel](https://news.google.com/rss/articles/CBMipwFBVV95cUxPNmhFNk8zZ3oxeVJfaVRGcm5nVXpSSUg0Y01DOWxwZjNlSENvTWpDaU1zX0dGWXM2OFc2TWI4ZTNsSTFjVmJoSzUybG1mS2owZFctWmlLTDlnNkgtZ2k1SHRNNG9HYTIzUFVqeV84ZHpFNGZjNVZINmVRY1BFLTB0RE05b2pPMVVpR29vXzVVWk5mMTVoNFBQX3RhS1d5OG5iVDI0djctSQ?oc=5) · The Holland Sentinel
- 2016-07-11 [Patrick Emerling Wins Thunder In The Hills RoC Modified 100 - Inside Track Motorsport News](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVk9lMkJvNlFFSDNrajFnUFVWaWpXR1hDcnBibTY4b2dzajhuUHVKdGIzN1hPQmRvX2JFSWVJdEtKWmdFcjNJT05RUHhyTlRtbFc3SUExZFFvamxCMHRKNlRzdFkzU0ZlUENNSTBlbF9oemNkMUFicVduY2hjeWEzQWs4eGwxZHBqMVhhbHQ3Q2NHbEdSVGRv?oc=5) · Inside Track Motorsport News
- 2016-11-30 [William Sprague Obituary (2016) - Yorkshire, NY - Olean Times Herald - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOV3FEWTYzb0EzWnRuTDJXWGxVMmRLV1NCcnBNalh5V2NENVd2Nk1JdGJRVzU4S04tZlhVY1dJMmpBdU5GZFpkakROTHRNeUhkTVNodVZQUWZUa0VlWExRR0FQU2hpclI4Q2wxODhTWUlYUWpNQzhJSE1RcnFNR05BREZCN0gycV9fN0ZsbEdmT0NndHgzNGxDMVBsTQ?oc=5) · legacy.com
- 2020-05-31 [How one of Western New York's smallest banks has responded to Covid-19 - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNzBZanpEUE9GczN2VDdteGZBSGFrQmZoV1ViTDI3angwUVZGSS0zVm1FVzU0WnRmaGdjWjZXdHgxbWpKUWJONWJGVWZVNWU2Y1ZDQzdydERjb1o1VVo5bWc4X0l2cTlSMjNFSkVtNjNOWWRGdlBtSHFiOFhKcGp1ZWZrSUVNNjBwMXdPaVpqZ1VxVGltNlRpdWRhQzJGMjBtS2RRbHI5a2hrQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1464 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "1464", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide