# BANK OF HOLYROOD
HOLYROOD, KS · FDIC certificate 9661 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $69.8M | |
| Deposits | $58.9M | |
| Loans and leases | $40.7M | |
| Total equity | $10.7M | |
| Loans / deposits | 67.99% (p42 of band) | 73.59% |
| Liquid assets / assets | 40.35% (p63 of band) | |
| Uninsured deposits / deposits | 19.03% (p47 of band) | 19.81% |
| Brokered deposits | 7.17% | |
| Wholesale funding | 7.17% (p79 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.68% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -10.49% (p39 of band) | -6.57% |
| AOCI / equity | -1.48% (p19 of band) | |
| ROA (annualized) | 1.29% (p57 of band) | 1.17% |
| Net interest margin | 3.71% (p38 of band) | 3.93% |
| Efficiency ratio | 54.16% (p21 of band) | |
| Noncurrent loans | 2.92% (p92 of band) | 0.36% |
| Net charge-offs (annualized) | 0.43% (p96 of band) | |
| Reserve coverage of noncurrent | 54.92% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $760,000 (1.87% of loans; DQ 0.00%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-09 | 3 | reserve under noncurrent | deposits shrinking |
| 2013-12 | 1 |  | charge-offs p90, assets shrinking |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 0 |  | reserve under noncurrent, capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 1 |  | deposits shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2017-06 | 3 | charge-offs p90, deposits shrinking |  |
| 2017-09 | 4 | loans exceed deposits |  |
| 2017-12 | 1 |  | uninsured deposits leaving, deposits shrinking, loans exceed deposits |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | reserve under noncurrent |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 2 |  | noncurrent p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | reserve under noncurrent, capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | charge-offs p90, AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2024-09 | 3 | uninsured deposits leaving |  |
| 2024-12 | 2 | assets shrinking | deposits shrinking, uninsured deposits leaving |
| 2025-03 | 0 |  | charge-offs p90, assets shrinking |
| 2025-06 | 4 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2025-09 | 2 |  | capital falling, noncurrent p90 |
| 2025-12 | 3 | noncurrent p90 |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2024-09-14 [Sarah Weber Obituary - penwellgabelkc.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBEOFg5UWE4dFFZNUMwNWZZQkdZNjYwbDF3bXdpTS1KMG9CZFdlQVR1U0c4OXZfUGs5ZVNWQ2o1MGN6S3E4OUlMbEp6cTNjd0ZvN1BvVnVjZktWWmhPVVV4VEJqaw?oc=5) · penwellgabelkc.com
- 2022-04-26 [MOCA Adds The Bank of Holyrood to Its Growing List of DCI Clients - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxPb0xtNU80bEhnTEw5YnpTcVJQMTZJenEzMFB4YnV5Y28wRnR3N05IZVk5eWtObWttQ3lLczAtbUJHU0xEcTRHOUFiRng2cVBwWFVOcFJUSVk1eVItUUhaVERJWml4OTJicVFRZkM0X3NteU9rSERJN3Bzc2ZDRzJVTHVIeTk1ZkQ4WUNDTk1XaVpjanZFdURjS1N1ZTNMR3d0MXFUbWh2anRQaTRhNy16R3VrcWlrTTBmWU5ndlFrSQ?oc=5) · Business Wire
- 2026-05-08 [Obituary for Lois Melva (Anschutz) Wenz - parsonsfh.com](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5HcTRGLUYzWWFEWTVGNXNhcFExZGdDa0tIX1NwX0ExQmhSZ3FENGdLUjBlYS1JRG1sc3BpSElHbGdBZGoza3Z1MFpqcVEzRG9fNkNoYnB1SQ?oc=5) · parsonsfh.com
- 2021-06-02 [Hennes to celebrate 50th wedding anniversary - Ellsworth County Independent Reporter](https://news.google.com/rss/articles/CBMigwFBVV95cUxNaFlHc0ZCQUEzSXVBN0MtSzlZSUdjeG53TTY0OE03cFgtTzd4RmtEQUJ1WWp1dnJ5YzZIdXN1TDMzSmhKTC01M1NjYkRBTHI5NVl5QkJaTVJzOGVVelhQVU9YdVRHQzlHZmhXVFFBVmJpa3RVeG1qdG1TTVFGNTZyNHRURQ?oc=5) · Ellsworth County Independent Reporter
- 2022-10-06 [Gerald W. Pauley 1934 - 2022 - gbtribune.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE80ZkJodkpvb1BoRm9VV29uaHl2TUtEbTFKejRnMXlRS0JRYzhuT2hhdWlQX2hvaVNPQ3JwUU1CQ24tVDJmQVZPT3lNSDdEZjdVN1JJNWFnaHhvZV9sMWlYQ2FwZXc0YjNuVlVNMHlfbk0?oc=5) · gbtribune.com
- 2022-10-08 [Obituary for Gerald W. Pauley - parsonsfh.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1lVFczeFo2RnhoTGVjRlc4WEJSaEIzTEltdXg2UWtJQUVqZHhmMlR5V2hYRlpScUR0UDNsOEpycG9JTTV3N2pWVFB3OG4wbmpINndScG9HMjhhSmt1?oc=5) · parsonsfh.com
- 2025-05-22 [CPHS Scholarships - gbtribune.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFA4WGRzU1FZaHJUcFpPRDlIMmlWWEJLeV95YS1BX3ZWTEszWXVVVTV2aXhRV2ljWnNWUmxrRmlVMGw3TkROZDRpUzZiRWRyODUtS2FpRlB1eFBISnpfMzhOM2JfalBkZ1p6a3NHQg?oc=5) · gbtribune.com
- 2014-01-24 [Ellis - gbtribune.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBPdDM5UU43NjhZWERuUXZSY0ZBOEp5Ymk3a2E1VmF2cG9mYWN3SWNHZ0l1cEctcjQ5aHA2VDVINEJoSmZ2SWwwSjk0X2VCYUVPdzV3UGlQWWFrbDRWNHY4eQ?oc=5) · gbtribune.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9661 (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/61.json (key "9661", 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