BlastPoint's Banking Scorecard
Bank of Holland
Holland, NY
3 branches across NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
- Deposits +4.5% year over year ($234.1M on the books).
- Delinquency rate 0.33%.
- Return on assets 1.38%.
- Efficiency ratio 56.87% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.14% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Holland has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 7.61% below tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.23% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$261.6M
+5.5% YoY
+2.2% QoQ
|
-$124.9M |
$386.6M
+1.2% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$183.0M
+1.2% YoY
-0.1% QoQ
|
-$75.4M |
$258.3M
+1.7% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$234.1M
+4.5% YoY
+1.9% QoQ
|
-$92.6M |
$326.7M
+0.7% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
1.38%
+37.1% YoY
+14.0% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.76%
+4.5% YoY
+0.6% QoQ
|
-0.23% |
3.99%
+5.0% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
56.87%
-12.7% YoY
-8.6% QoQ
|
-7.61% |
64.48%
-3.2% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
0.33%
-10.4% YoY
-1.8% QoQ
|
-0.58% |
0.92%
+15.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
78.14%
-3.1% YoY
-2.0% QoQ
|
+0.18% |
77.95%
+1.0% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
28.60%
+0.9% YoY
-2.0% QoQ
|
+6.57% |
22.03%
-0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.23%
-14.1% YoY
-4.0% QoQ
|
-0.43% |
0.67%
+16.4% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
14.59%
+8.1% YoY
+3.3% QoQ
|
-1.32% |
15.91%
+1.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.17%
-1.5% YoY
+114.7% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.6%
+0.3pp YoY -0.6pp QoQ |
+6.5pp | 22.1% | 22.1% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.9%
-0.3pp YoY +0.1pp QoQ |
-9.6pp | 11.6% | 11.0% | 12.5% | 6% |
| CRE |
28.8%
-0.5pp YoY -1.0pp QoQ |
-10.7pp | 39.5% | 46.2% | 41.4% | 33% |
| 1-4 Family |
68.2%
+1.0pp YoY +0.9pp QoQ |
+35.6pp | 32.6% | 36.6% | 31.3% | 94% |
| Consumer |
2.0%
-0.2pp YoY -0.1pp QoQ |
-2.1pp | 4.1% | 5.1% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
+1.1pp YoY +0.5pp QoQ |
-4.2pp | 18.8% | 26.1% | 19.7% | 45% |
| Leverage Ratio |
8.8%
+0.2pp YoY -0.1pp QoQ |
-3.4pp | 12.2% | 13.9% | 12.6% | 9% |
| Total Capital Ratio |
15.8%
+1.1pp YoY +0.5pp QoQ |
-4.1pp | 19.9% | 27.2% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
0 YoY 0 QoQ |
-22 | 58 | 914 | 482 | 37% |
| Assets per Employee ($) |
$7.1M
+5.5% YoY +2.2% QoQ |
-$447K | $7.5M | $14.8M | $8.8M | 54% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 27 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 24% |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 1.3% | 1.0% | 40% |
| Allowance Coverage |
3.08x
+16.9% YoY +2.0% QoQ |
-21.07x | 24.15x | 1.92x | 20.23x | 59% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.0%
+2.9pp YoY +2.0pp QoQ |
+4.8pp | 12.2% | 7.9% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 17% |
| Net Income ($, YTD) |
$1.8M
+45.5% YoY — QoQ |
-$800K | $2.6M | $111.2M | $40.4M | 47% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.