Bank · FDIC insured
Bank of Holland
A $261.6M bank headquartered in Holland, NY, with 3 branches in New York. Best rates: CDs 0.60% and savings 0.15% APY.
Bank of Holland Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#49 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank of Holland
The Bank of Holland is an independent, locally owned and managed bank founded in 1893.
Operating three branches in Holland, East Aurora, and Elma, it provides banking services to individuals, families, professionals, and businesses in the Southtowns.
- Headquarters
- 12 S Main St, Holland, NY 14080
- FDIC certificate
- 1464 ↗
Branches
3 branches in New York
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New York
3 branches
- Bank of HollandMain office12 S Main St, Holland, NY 14080Directions
- East Aurora Office Branch250 Quaker Rd, East Aurora, NY 14052Directions
- Elma Branch2341 Bowen Rd, Elma, NY 14059Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.77% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.33% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.38% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio8.77%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.33%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.38%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank of Holland are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.