BlastPoint's Banking Scorecard

Bank of Holland

$100M-$1B Specialty: Other NY FDIC cert 1464

Holland, NY

3 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in NY

Bank of Holland has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 3.07% below tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- ROA 0.06% below tier average
- Net Interest Margin 0.20% below tier average

Get updates when Bank of Holland releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$256.1M +6.4% YoY +4.0% QoQ	-$130.0M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$183.2M +2.8% YoY +0.4% QoQ	-$72.5M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$229.7M +5.5% YoY +4.2% QoQ	-$98.3M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.21% +16.1% YoY +8.9% QoQ	-0.06%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	3.73% +5.3% YoY -0.4% QoQ	-0.20%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	62.22% -4.5% YoY -2.0% QoQ	-3.07%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.34% -36.1% YoY -28.1% QoQ	-0.55%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	79.76% -2.6% YoY -3.6% QoQ	+3.12%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	29.19% +1.0% YoY -5.5% QoQ	+7.17%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.24% -38.3% YoY -30.5% QoQ	-0.39%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	14.12% +2.8% YoY -0.5% QoQ	-1.71%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.08% -5.1% YoY -77.8% QoQ	-0.20%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	38%

Get Full Access to Bank of Holland

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

539

Non-Interest-Bearing Deposit Share

funding

Value: 29.19%

Peer Median: 22.02%

#539 of 2664 Top 20.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available