| Metric | Bank of Holland | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.3 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 17.0% | 11.9% | +5.1 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.6M | $234.1M | $183.0M | $21.5M | $1.8M | 1.38% | 3.76% | 0.23% |
| Q1 2026 | $256.1M | $229.7M | $183.2M | $20.5M | $759K | 1.21% | 3.73% | 0.24% |
| Q4 2025 | $246.3M | $220.5M | $182.5M | $19.9M | $2.7M | 1.11% | 3.75% | 0.35% |
| Q3 2025 | $251.0M | $226.0M | $182.0M | $19.0M | $2.0M | 1.09% | 3.70% | 0.26% |
| Q2 2025 | $247.9M | $224.0M | $180.7M | $17.9M | $1.2M | 1.00% | 3.60% | 0.27% |
| Q1 2025 | $240.6M | $217.8M | $178.3M | $17.0M | $614K | 1.04% | 3.54% | 0.39% |
| Q4 2024 | $231.5M | $209.2M | $175.1M | $16.4M | $1.7M | 0.75% | 3.28% | 0.36% |
| Q3 2024 | $237.3M | $214.9M | $172.8M | $16.5M | $1.5M | 0.86% | 3.22% | 0.32% |
Loan mix (Q2 2026): real estate $177.7M · commercial $3.5M · consumer $3.6M · securities $47.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Holland | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 62.9% | 32th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Holland | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Holland | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Holland | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Holland | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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