Bank of Holland: how it compares with its peers
Against 31 NY banks with half to twice its assets, Bank of Holland's strongest measure in Q2 2026 is return on assets (1.38% vs. a 0.71% peer median). Its weakest relative measure is net interest margin (3.76% vs. 3.74%).
| Measure | Bank of Holland | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.38% | 0.71% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 3.74% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.87% | 71.64% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.7M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.14% | 87.85% | Context |
What it means for lending operations
Its efficiency ratio of 56.87% is better than the 71.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Cayuga Lake National Bank Union Springs, NY · $274M
- Sawyer Savings Bank Saugerties, NY · $285M
- Alpine Capital Bank New York, NY · $237M
- The Upstate National Bank Ogdensburg, NY · $295M
- Global Bank New York, NY · $304M
- American Community Bank Glen Cove, NY · $307M
Questions about Bank of Holland
How big is Bank of Holland?
Bank of Holland, established in 1893, is headquartered in Holland, NY. It reported $262M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Holland's return on assets?
1.38% annualized in Q2 2026, against a 0.71% median for 31 NY banks with half to twice its assets, ahead of 81% of them.
What is Bank of Holland's efficiency ratio?
56.87% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 71.64%, and lower is better.
Is Bank of Holland growing its loans?
Net loans grew 1.2% over the year to Q2 2026, while deposits grew 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.