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Holcomb Bank

Rochelle, IL · Cert 9080 · Holcomb Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Holcomb Bank

Rochelle, IL · Cert 9080 · Holcomb Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$304.8MAssets
$231.5MLoans
$239.4MDeposits
$22.6MEquity
Loan mix
91%RE $208.6M8%C&I $17.6M1%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $188.5M21%Noninterest $50.8MQ2 2025Q2 2026

NIM

4.69%Q2 ’244.96%Q2 ’255.37%Q2 ’26+23%+13%

Non-interest income vs. expense

2.22%Q2 ’242.42%Q2 ’252.58%Q2 ’26+13%+5%

Market Position · Rockford, IL · 2026 SOD (annual) · 0.5% share · #17 of 21 inst. · $0.0B of $9.0B

13.4% Ogle
0.6% Winnebago

Executive Summary

  • Earnings: ROA of 1.21%, up 25 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.03% of loans (+1 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.84%, down 12 bps from a year ago.
  • Funding: loans stand at 96.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+42 bps YoY

Efficiency Ratio (YTD, annualized)

62.97%-391 bps YoY

Tier 1 Leverage Ratio

8.84%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.00%1.04%1.15%1.21%+25 bps
Return on Equity14.82%15.07%15.60%16.24%16.80%+198 bps
Net Interest Margin3.22%3.38%3.39%3.56%3.65%+42 bps
Efficiency Ratio66.88%66.98%66.11%63.70%62.97%-391 bps
Non-Interest Burden2.02%2.13%2.10%2.10%2.13%+10 bps
Growth
Asset Growth (YoY)-3.43%-2.42%4.61%4.78%1.94%+537 bps
Loan Growth (YoY)3.07%5.06%7.26%6.10%5.10%+203 bps
Deposit Growth (YoY)3.27%3.15%-0.12%0.00%-1.99%-526 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.05%0.03%0.11%0.03%+1 bps
Net Charge-Offs / Loans-0.05%-0.16%-0.10%-0.02%-0.02%+3 bps
Allowance / Loans1.27%1.33%1.28%1.28%1.29%+2 bps
Allowance Coverage of NPLs54.7x24.8x41.1x12.0x41.4x-13.3x
Capital
Tier 1 Leverage Ratio8.96%8.83%8.72%8.77%8.84%-12 bps
Total Risk-Based Capital12.77%12.39%12.22%12.61%12.83%+6 bps
Equity / Assets6.68%6.98%6.94%7.28%7.41%+73 bps
Liquidity & Funding
Loans / Deposits90.18%94.69%97.23%95.53%96.71%+653 bps
Liquid Assets / Assets3.50%2.14%3.94%5.05%2.78%-72 bps
CRE / Total Capitaln/a404%426%424%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Holcomb Bank

Rochelle, IL · Cert 9080 · Peer group: banks under $1B in assets in IL (n=149-151) · Holcomb Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$304.8MAssets
$231.5MLoans
$239.4MDeposits
$22.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 91% of banks under $1B in assets in IL (rank 14 of 151).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in IL (rank 141 of 151).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.23%

Rank 48 of 151

Net Interest Margin

3.65%

Rank 51 of 151

Efficiency Ratio

62.97%

Rank 70 of 151

Equity / Assets

7.41%

Rank 141 of 151

Non-interest income vs. expense

$1.4M$8.1MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 54% of banks under $1B in assets in IL
Bank 62.97%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.70%1.03%1.34%Beats 68%48 / 151
Return on Equity16.62%6.74%9.34%12.94%Beats 91%14 / 151
Net Interest Margin3.65%3.02%3.43%3.83%Beats 66%51 / 151
Efficiency Ratio62.97%54.64%64.89%72.50%Beats 54%70 / 151
Asset Quality
Nonperforming Loans / Loans0.03%0.20%0.66%1.77%Beats 89%17 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 81%29 / 149
Capital
Tier 1 Capital Ratio11.58%11.83%14.17%18.66%Beats 21%120 / 151
Total Risk-Based Capital Ratio12.83%12.22%14.54%19.92%Beats 34%99 / 151
Equity / Assets7.41%9.10%10.65%12.40%Beats 7%141 / 151
Liquidity & Funding
Loans / Deposits96.71%54.39%71.02%80.75%95th pctl8 / 149
Loans / Assets75.94%45.91%61.31%68.01%93rd pctl11 / 151
Brokered Deposits / Depositsn/aNot reported for this institution