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Bank of Holyrood

under $100M Specialty: Agricultural KS FDIC cert 9661

Designations: ✓ Community bank

Holyrood, KS

541 banks in the under $100M peer group nationally 48 in KS
View under $100M leaderboard (KS) →

Bank of Holyrood has 2 strengths but faces 4 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

  • + ROA 0.22% above tier average
  • + Efficiency Ratio 31.71% below tier average

Key Concerns

Areas that may need attention

  • - Nonperforming Asset Ratio 1.33% above tier average
  • - Non-Interest Income / Assets 0.66% below tier average
  • - Net Interest Margin 0.36% below tier average
  • - Delinquency Rate 1.82% above tier average
Get updates when Bank of Holyrood releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $69.3M
+4.5% YoY +7.2% QoQ
+$7.1M $62.2M
-0.6% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
55%
Total Loans ? $39.1M
-8.0% YoY -1.2% QoQ
+$4.8M $34.2M
-1.4% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
61%
Total Deposits ? $58.3M
+4.2% YoY +8.4% QoQ
+$6.6M $51.7M
-0.7% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
56%
Return on Assets ? 1.06%
-34.8% YoY -5.0% QoQ
+0.22% 0.84%
-2.3% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
56%
Net Interest Margin ? 3.50%
-11.9% YoY -8.0% QoQ
-0.36% 3.86%
+2.8% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
31%
Efficiency Ratio ? 56.64%
+17.0% YoY -3.2% QoQ
-31.71% 88.34%
+0.3% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
81%
Delinquency Rate ? 3.20%
+140.8% YoY +1.9% QoQ
+1.82% 1.37%
+33.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
Bottom 11.7% in tier
Loan-to-Deposit Ratio ? 66.99%
-11.7% YoY -8.9% QoQ
+2.78% 64.22%
-0.7% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
49%
Non-Interest-Bearing Deposit Share ? 25.36%
+6.7% YoY +2.9% QoQ
+1.65% 23.71%
+0.3% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
57%
Nonperforming Asset Ratio ? 2.12%
+79.3% YoY -14.9% QoQ
+1.33% 0.79%
+28.2% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
Bottom 9.8% in tier
Tier 1 Capital Ratio ? 27.13%
+6.6% YoY +0.1% QoQ
+0.45% 26.68%
+2.0% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.01%
-46.8% YoY -84.4% QoQ
-0.66% 0.67%
+1.9% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
Bottom 5.2% in tier

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).
Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

100
Tier 1 Capital Ratio
capital
Value: 27.13%
Peer Median: 26.68%
#100 of 541 Top 18.3% in under $100M
102
Efficiency Ratio
profitability
Value: 56.64%
Peer Median: 88.34%
#102 of 541 Top 18.7% in under $100M

Top Weaknesses (3 metrics)

514
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.67%
#514 of 541 Bottom 5.2% in under $100M
489
Nonperforming Asset Ratio
credit_quality
Value: 2.12%
Peer Median: 0.79%
#489 of 541 Bottom 9.8% in under $100M
461
Delinquency Rate
credit_quality
Value: 3.20%
Peer Median: 1.37%
#461 of 521 Bottom 11.7% in under $100M
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