Bank of Holland

What Bank of Holland does

Bank of Holland is an independent, FDIC-insured community bank founded in 1893 and headquartered at 12 South Main Street, Holland, New York. It operates three physical branches — Holland (main office), East Aurora, and Elma — serving individuals, families, professionals, retirees, small and large businesses, and farmers across the Western New York Southtowns (portions of Erie, Wyoming, and Cattaraugus counties). The bank's product set spans personal checking (Advantage Plus Checking up to 3.00% APY, CashBack Checking, Free Personal Checking, Senior Checking, Smart Start), savings (Advantage Savings, Statement, Money Market, Holiday Club, HSA), CDs and IRAs, mortgages, home equity loans and HELOCs, personal and auto loans, construction and land loans, business checking and credit cards, and cash management services including ACH origination, Remote Deposit Capture, and Positive Pay. Credit cards are issued through TCM Bank, N.A.; the debit card network runs on MasterMoney.

The technology layer is built entirely on third-party platforms: Fiserv powers the mobile banking application (real-time balances, mobile check deposit, card management, fraud alerts); the online banking platform uses 128-bit encryption with Zelle integration via Early Warning Services for P2P payments; CardValet handles debit card controls; and Deluxe provides check reordering. ATM access extends well beyond the bank's three proprietary ATMs through a surcharge-free partnership with the M&T Bank network of more than 1,500 ATMs across New York and adjacent states.

The business model is a traditional spread-and-fee community bank. Revenue is generated from net interest income on a loan portfolio covering consumer, mortgage, home equity, commercial real estate, business, construction, and agricultural loans (Loan-to-Deposit Ratio of 79.80% as of March 2026), supplemented by deposit-spread, account, interchange, overdraft, and wire fees. Loan decisions and servicing are retained locally — the bank does not sell loans after closing — positioning relationship-based lending and personal service as its core differentiators versus larger regional and money-center banks. The bank is privately held, locally owned and managed, and operates without disclosed venture capital, private equity backing, or parent-company ownership.

Name

Bank of Holland

Legal name

Bank of Holland

Website

https://www.bankofhollandny.com

Company type

Private

Founded year

1893

Operating status

Operating

Headcount range

1–10 employees

Short description

Bank of Holland is an FDIC-insured, independently owned community bank founded in 1893, operating three branches in Western New York (Holland, East Aurora, Elma) and serving individuals, families, small and large businesses, and farmers with personal and business banking, lending, and digital banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Community banking
• Personal banking
• Business banking
• Mortgage lending
• Mobile banking

Headquarters

HQ city

Holland

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income: Interest earned on loans including mortgages, home equity loans, personal loans, auto loans, construction loans, commercial real estate loans, business loans, and lines of credit. Interest paid on deposits including checking, savings, CDs, IRAs, and money market accounts.
2. Fee-based Income: Various banking fees including ATM fees, overdraft fees, wire transfer fees, loan origination fees, late payment fees, and service charges on certain account types.
3. Credit Card Revenue: Credit card products issued through TCM Bank, N.A. generating interchange revenue, interest income, and annual/card fees from Visa business and personal credit cards.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Bank of Holland is an independent community bank that provides personal and business deposit products (checking, savings, CDs, IRAs), lending products (mortgages, home equity, personal, auto, construction, business, and commercial loans), credit and debit cards, and electronic banking services through three branches and digital channels in Western New York. Its core promise is local decision-making and retention of loan servicing with the bank rather than resale to third parties.

Product overview

Bank of Holland is a community bank offering a comprehensive suite of personal and business banking products. Personal banking includes multiple checking account options (Advantage Plus Checking with up to 3.00% APY, CashBack Checking, Free Personal Checking, Senior Checking, Smart Start Account) and savings products (Advantage Savings, Statement Savings, Money Market, Holiday Club, HSA). Certificates of Deposit and Individual Retirement Accounts provide term and tax-advantaged savings options. Credit products include Visa Platinum Credit Cards, MasterMoney Debit Cards, home mortgages, home equity loans and HELOCs, personal loans, auto loans, and construction/land loans. Business banking encompasses Free Business Checking, Business Checking with earnings credit, Visa Business Credit Cards, Business Debit Cards, and Cash Management services including ACH Origination, Remote Deposit Capture, and Positive Pay. Electronic services include Online Banking with Bill Pay, Mobile Banking with Mobile Deposit, and Zelle peer-to-peer payments. The bank's digital platform is complemented by three physical branches in Holland, East Aurora, and Elma, New York, and ATM networks including surcharge-free M&T Bank access.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts A suite of personal checking accounts including Advantage Plus Checking (up to 3.00% APY on balances up to $15,000 with nationwide ATM fee refunds), CashBack Checking (up to $10 monthly cash back on debit purchases), Free Personal Checking, Senior Checking (for customers aged 55+), and Smart Start Account (no overdraft fees). Designed for individuals, families, professionals, and retirees in Western New York.

Quantifiable outcome

• Advantage Plus Checking offers up to 3.00% APY on balances up to $15,000 with simple qualification criteria
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• M&T BankcoreChannel Partner/ Reseller/ DistributorATM network partnership providing Bank of Holland customers surcharge-free access to over 1,500 M&T Bank ATMs throughout New York and surrounding states. Extends the bank's ATM footprint significantly beyond its three physical locations.
• FiservcoreTechnology or IntegrationTechnology provider powering the Bank of Holland Mobile banking application. Provides platform for account access, fund transfers, bill payment, check deposits, card management, and fraud detection services.
• TCM Bank, N.A.coreTechnology or IntegrationCredit card issuer partner providing Visa business and personal credit cards underwritten and issued by TCM Bank, N.A. Cards include Visa Platinum, Platinum Rewards, Business Rewards, Business Cash Rewards, and Company Rewards options.
• MasterCardcoreTechnology or IntegrationMasterMoney debit card network providing debit card processing, ATM network access (Cirrus, Maestro, etc.), and fraud monitoring for debit card transactions.
• Early Warning Services (Zelle)coreTechnology or IntegrationP2P payment service integrated into online and mobile banking for fast money transfers using email or mobile phone numbers. Enables sending, requesting, and splitting money with other bank customers.
• DeluxeminorChannel Partner/ Reseller/ DistributorCheck reordering partner. Customers can reorder personal checks online through Deluxe website for convenience.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Evans Bancorp: Evans Bancorp is a Western New York-based community bank holding company (NYSE: EVBN) with similar community banking focus and personal/business lending products serving comparable Upstate NY markets.
• Five Star Bank: Five Star Bank (subsidiary of Financial Institutions Inc.) is a Western New York community bank offering consumer and business banking, mortgages, and wealth management across overlapping Western NY geographies.
• Steuben Trust Company: Steuben Trust is a small independent New York community bank with comparable product suite (personal/business banking, mortgages, treasury services) serving Western and Central NY markets.
• Community Bank, N.A. Community Bank N.A. (subsidiary of Community Bank System, NYSE: CBU) is a larger Upstate New York community bank with similar consumer and business banking products across overlapping NY geographies.
• NBT Bank: NBT Bank (NASDAQ: NBTB) is an Upstate New York community bank serving similar rural/small-city markets with comparable consumer deposit, mortgage, and small business lending products.
• Tompkins Financial: Tompkins Financial (NYSE: TMP) operates community banks across Upstate New York with comparable relationship-based banking model, consumer products, and small business lending focus.
• Berkshire Hills Bancorp: Berkshire Hills Bancorp is a mid-size community bank holding company with similar community banking model, consumer/business lending focus, and comparable scale of regional operations.

Broad incumbents

• M&T Bank: M&T Bank is a large regional bank with dominant Western NY presence and the ATM partner of Bank of Holland. Competes for similar consumer and small business customers with broader product suite.
• KeyBank: KeyBank is a large regional bank with significant Upstate New York branch presence competing for similar consumer deposits, mortgages, and small business banking relationships in Western NY.

Emerging players

• Ally Bank: Ally Bank is a digital-first national bank competing for the same consumer deposit customers with high-yield savings and no-fee checking products, pressuring community bank funding costs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/chemicalbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank of Holland