Bank of Holyrood
Holyrood, Kansas · FDIC Cert #9661
Bank of Holyrood is an FDIC-insured bank (Certificate #9661) with $67M in total assets and $52M in total deposits as of the Q2 2024 Call Report. Headquartered in Holyrood, Kansas, the bank maintains a Tier 1 capital ratio of 25.11% (Well-Capitalized) and a nonperforming loan ratio of 1.37%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Holyrood (FDIC cert 9661) is a community bank — $67M in total assets, $52M in deposits, serving the Holyrood, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 25.11% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.37% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 28.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.80% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Holyrood carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Holyrood
- Total Assets
- $67M
- Total Deposits
- $52M
- Tier 1 Capital Ratio
- 25.11%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.37%
- Liquidity Ratio
- 28.53%
- Return on Assets
- 1.80%
- Headquarters
- Holyrood, Kansas
- FDIC Certificate
- #9661
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Holyrood holds a Tier 1 capital ratio of 25.11%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Holyrood has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Holyrood shows strong financial health indicators. With $67M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Holyrood Compares
Bank of Holyrood’s Health Score of 90 is 21 points above the Kansas state average of 69 across 159 FDIC-insured banks. Its 25.11% Tier 1 capital ratio is 11.1 points above the US banking industry average near 14%. The 1.37% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.80% is in line with or above the national ROA benchmark of ~1.1%. Among 749 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Bank of Holyrood is 20 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Holyrood has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 25.11%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Holyrood's Tier 1 capital ratio of 25.11% and nonperforming loan ratio of 1.37% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Holyrood is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #9661). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Holyrood holds $67M in total assets and $52M in total deposits. It is headquartered in Holyrood, Kansas (FDIC Certificate #9661).
Bank of Holyrood has a Tier 1 capital ratio of 25.11%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.37%, and the return on assets is 1.80%.
Yes. Bank of Holyrood is FDIC-insured (Certificate #9661). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Holyrood's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.