BlastPoint's Banking Scorecard
Bank of Holyrood
Micro
Specialty: Agricultural
KS
FDIC cert 9661
Designations: ✓ Community bank
Holyrood, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Bank of Holyrood has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.26% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.50% above tier
- - Nonperforming Asset Ratio 2.04% above tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.6M
+1.9% YoY
-0.1% QoQ
|
-$152.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$39.6M
-10.6% YoY
-2.2% QoQ
|
-$99.6M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$53.8M
+0.2% YoY
-0.2% QoQ
|
-$129.9M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.11%
-15.4% YoY
-1.3% QoQ
|
+0.03% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.81%
-7.8% YoY
-0.2% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
58.50%
+5.7% YoY
+7.1% QoQ
|
-9.23% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
3.14%
+145.6% YoY
+30.4% QoQ
|
+2.50% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
73.56%
-10.8% YoY
-2.0% QoQ
|
-0.96% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
24.64%
-6.9% YoY
+6.4% QoQ
|
+2.25% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
2.49%
+101.4% YoY
+20.0% QoQ
|
+2.04% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
27.11%
+10.7% YoY
+1.2% QoQ
|
+18.26% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.05%
-1.9% YoY
+36.4% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.11%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.14%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.49%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Tier 1 Capital Ratio
Current: 27.11% · Tier avg: 8.85%
71
71th pctile
Efficiency Ratio
Current: 58.50% · Tier avg: 67.73%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.64% · Tier avg: 22.39%
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
50
50th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.85%
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.56% · Tier avg: 74.53%
15
15th pctile
Total Loans
Current: $39.6M · Tier avg: $139.2M
12
12th pctile
Total Deposits
Current: $53.8M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $64.6M · Tier avg: $217.5M
6
6th pctile
Delinquency Rate
Current: 3.14% · Tier avg: 0.64%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.49% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.49% · Tier avg: 0.45%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
6
6th pctile
Delinquency Rate
Current: 3.14% · Tier avg: 0.64%
11
11th pctile
Total Assets
Current: $64.6M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $53.8M · Tier avg: $183.7M
15
15th pctile
Total Loans
Current: $39.6M · Tier avg: $139.2M
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.56% · Tier avg: 74.53%
50
50th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.85%
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.64% · Tier avg: 22.39%
71
71th pctile
Efficiency Ratio
Current: 58.50% · Tier avg: 67.73%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.11% · Tier avg: 8.85%