🏦Bank Scorer

BANK OF HOLLAND

HOLLAND, NY · Supervised by FDIC

Est. 1893FDIC #1,464RSSD: FDIC-1464
Part ofHOLLAND BCORP INC→ View all charters
Satisfactory Down

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.21%

Institution Profile

FDIC BankFind

Address

12 S Main St, HOLLAND, NY

County

Erie County

Established

October 21, 1893

Total Assets

$256M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$256M

Total Deposits

$230M

Net Loans

$183M

Net Income

$759K

ROA

1.21%

ROE

15.04%

Risk-Based Capital

15.33%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate17.14%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$224M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202414076.43%17.14%
202315575.48%14.84%
202220173.13%19.40%
202125373.12%20.95%
202018970.37%20.63%
201921973.52%20.09%
201818963.49%24.34%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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