Bank of Holland

12 South Main Street
Holland, NY 14080

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1464
Date Established 1893
Assets $0.12 billion
Loans $0.07 billion
Deposits $0.11 billion
Capital $0.01 billion

Bank of Holland is an FDIC insured institution located in Holland, NY. It was founded in 1893 and has approximately $0.12 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Bank of Holland's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Holland’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in New York, Bank of Holland has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 72.84
Multifamily
Mortgages
1.00
Credit Card Loans 0.00
Consumer Auto Loans 1.33
Small Business Loans 15.57
Construction and Development Loans 2.99
Commercial Real Estate 15.93
Commercial and Industrial Loans 3.28
Farm Loans 0.00

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Holland

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
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AmeriSave Mortgage Corporation
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4.564% 4.500% 0.25 $1,878 $1,267 Learn More
AmeriSave Mortgage Corporation
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License#: MC-2462
4.556% 4.500% 0.13 $1,632 $1,267 Learn More
AimLoan.com NMLS#2890
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Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Bank of Holland
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Branches

Bank of Holland branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Holland Locations

Financial Details

Bank of Holland Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Holland. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Holland U.S. Bank Average
11.93% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bank of Holland had $1,091,000 in non-current loans and $171,000 in owned real estate. To cover these potential losses it had $9,628,000 in equity and $950,000 in loans loss reserves. That gives it a Texas Ratio of 11.93%.

Return on Equity
Bank of Holland U.S. Bank Average
9.18% 8.84%

Bank of Holland has a Return on Equity of 9.18% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Holland U.S. Bank Average
7.74% 12.21%

Bank of Holland has a Capitalization of 7.74% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Holland Balance Sheet Analysis

As of December 31, 2017, Bank of Holland had assets of $124,471,000, loans of $73,999,000, and deposits of $109,542,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.11 billion
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 88.36%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.11 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Holland

Branches and Savings

Is Bank Of Holland FDIC insured?

Yes. It is covered under FDIC Certificate #1464.

Why does Bank Of Holland pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Holland CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Holland a commercial bank?

Yes

Where are Bank Of Holland locations?

See branch locations nearby.

Is Bank Of Holland open on Saturdays?

Is Bank Of Holland open on Sundays?

What time does Bank Of Holland open?

What time does Bank Of Holland close?

Are Bank Of Holland ATMs Open 24/7?

Do Bank Of Holland ATMs accept cash deposits?

Can Bank Of Holland customers use other ATMs?

Do Bank Of Holland branches have notaries?

Will Bank Of Holland notarize my document?

What address for Bank Of Holland should I put for incoming ACH transfers?

Will the Bank Of Holland branch print checks?

Do Bank Of Holland checks expire?

Does Bank Of Holland require US citizenship to open account?

Can Bank Of Holland close my account?

Does Bank Of Holland Report to credit bureaus?

Does Bank Of Holland Use Equifax?

What is Bank Of Holland's ACH Routing Number?

What is Bank Of Holland's SWIFT code?

Products

Does Bank Of Holland offer mortgages?

Compare mortgage rates here.

Does Bank Of Holland offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Holland offer personal loans?

Compare personal loan rates here.

Does Bank Of Holland offer student loans?

Will Bank Of Holland cash a check?

Will Bank Of Holland redeem a savings bond?

Does Bank Of Holland cash savings bonds?

Will Bank Of Holland cash money orders?

Can Bank Of Holland issue a money order?

Does Bank Of Holland do currency exchange?

Background on The Bank

Who owns Bank Of Holland?

How long has Bank Of Holland been around?

Can Bank Of Holland transfer to other banks?

Does Bank Of Holland have quick pay?

Does Bank Of Holland accept rolled coins?

Will Bank Of Holland accept loose change?

Where is Bank Of Holland headquarters?

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