BlastPoint's Banking Scorecard
Bank of Holyrood
Designations: ✓ Community bank
Holyrood, KS
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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +7.2% year over year ($58.9M on the books).
- Delinquency rate 2.97%.
- Return on assets 1.29%.
- Efficiency ratio 54.16% vs a 119.40% peer average.
- Loan-to-deposit ratio 67.99% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Holyrood has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Efficiency Ratio 65.24% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.36% below tier average
- - Net Interest Margin 0.21% below tier average
- - Delinquency Rate 1.49% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.8M
+6.9% YoY
+0.7% QoQ
|
+$7.3M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$40.0M
-3.5% YoY
+2.4% QoQ
|
+$5.1M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$58.9M
+7.2% YoY
+0.9% QoQ
|
+$7.3M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
1.29%
-5.6% YoY
+22.3% QoQ
|
+0.30% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
3.71%
-3.8% YoY
+5.8% QoQ
|
-0.21% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
54.16%
+3.1% YoY
-4.4% QoQ
|
-65.24% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? |
2.97%
-3.4% YoY
-7.1% QoQ
|
+1.49% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.4% in tier |
| Loan-to-Deposit Ratio ? |
67.99%
-10.0% YoY
+1.5% QoQ
|
-6.22% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
23.59%
+4.5% YoY
-7.0% QoQ
|
+0.10% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
2.02%
-15.7% YoY
-4.8% QoQ
|
+1.18% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.4% in tier |
| Tier 1 Capital Ratio ? |
26.92%
+5.0% YoY
-0.8% QoQ
|
-0.21% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.02%
-26.5% YoY
+118.4% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.2% in tier |
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.6%
+1.0pp YoY -1.8pp QoQ |
-1.1pp | 24.6% | 22.3% | 22.2% | 48% |
| Brokered Deposits |
8.5%
-0.6pp YoY -0.1pp QoQ |
-1.3pp | 9.8% | 8.7% | 8.5% | 60% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
32.7%
+2.7pp YoY 0.0pp QoQ |
+19.3pp | 13.4% | 12.6% | 12.5% | 93% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
21.2%
+1.4pp YoY -0.3pp QoQ |
-13.8pp | 35.0% | 26.7% | 31.3% | 38% |
| Consumer |
4.0%
-0.6pp YoY -0.2pp QoQ |
-3.7pp | 7.7% | 4.6% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
26.9%
+1.3pp YoY -0.2pp QoQ |
-11.8pp | 38.7% | 23.3% | 19.7% | 67% |
| Leverage Ratio |
16.7%
-0.5pp YoY -0.9pp QoQ |
-1.0pp | 17.7% | 12.6% | 12.6% | 78% |
| Total Capital Ratio |
28.2%
+1.3pp YoY -0.2pp QoQ |
-11.5pp | 39.7% | 24.4% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY +1 (+11.1%) QoQ |
-2 | 12 | 70 | 482 | 43% |
| Assets per Employee ($) |
$7.0M
+6.9% YoY -9.3% QoQ |
+$789K | $6.2M | $7.1M | $8.8M | 66% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
3.0%
-0.1pp YoY -0.2pp QoQ |
+1.2pp | 1.7% | 0.8% | 1.0% | 87% |
| Allowance Coverage |
0.55x
+11.4% YoY +4.7% QoQ |
-5.86x | 6.41x | 22.44x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
0.7%
-0.2pp YoY -0.1pp QoQ |
+0.6pp | 0.2% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
-0.8pp YoY +1.6pp QoQ |
+1.8pp | 6.4% | 14.3% | 11.6% | 51% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.6% | 1.7% | 64% |
| Net Income ($, YTD) |
$439,000
-1.3% YoY — QoQ |
+$121K | $317,817 | $3.7M | $40.4M | 67% |
Get Full Access to Bank of Holyrood
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.