Bank of Holyrood: how it compares with its peers
Against 57 KS banks with half to twice its assets, Bank of Holyrood's strongest measure in Q2 2026 is efficiency ratio (54.16% vs. a 61.44% peer median). Its weakest relative measure is net interest margin (3.71% vs. 3.94%).
| Measure | Bank of Holyrood | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.32% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 3.94% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.16% | 61.44% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $7.1M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.99% | 70.40% | Context |
What it means for lending operations
Its efficiency ratio of 54.16% is better than the 61.44% 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
- Argentine Federal Savings Kansas City, KS · $70M
- Union State Bank Uniontown, KS · $74M
- Farmers and Merchants Bank of Mound City, Kansas Mound City, KS · $65M
- The First National Bank of Spearville Spearville, KS · $62M
- First National Bank in Frankfort Frankfort, KS · $62M
- Elevate Bank, National Association Sedan, KS · $61M
Questions about Bank of Holyrood
How big is Bank of Holyrood?
Bank of Holyrood, established in 1887, is headquartered in Holyrood, KS. It reported $70M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bank of Holyrood's return on assets?
1.29% annualized in Q2 2026, against a 1.32% median for 57 KS banks with half to twice its assets, ahead of 46% of them.
What is Bank of Holyrood's efficiency ratio?
54.16% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 61.44%, and lower is better.
Is Bank of Holyrood growing its loans?
Net loans shrank 3.5% over the year to Q2 2026, while deposits grew 7.2%.
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 KS 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 Kansas bank ranked.