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
Unfavorable gap of $6.7M · efficiency ratio beats 54% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.70% | 1.03% | 1.34% | Beats 68% | 48 / 151 | |
| Return on Equity | 16.62% | 6.74% | 9.34% | 12.94% | Beats 91% | 14 / 151 | |
| Net Interest Margin | 3.65% | 3.02% | 3.43% | 3.83% | Beats 66% | 51 / 151 | |
| Efficiency Ratio | 62.97% | 54.64% | 64.89% | 72.50% | Beats 54% | 70 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.20% | 0.66% | 1.77% | Beats 89% | 17 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 81% | 29 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 11.58% | 11.83% | 14.17% | 18.66% | Beats 21% | 120 / 151 | |
| Total Risk-Based Capital Ratio | 12.83% | 12.22% | 14.54% | 19.92% | Beats 34% | 99 / 151 | |
| Equity / Assets | 7.41% | 9.10% | 10.65% | 12.40% | Beats 7% | 141 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 96.71% | 54.39% | 71.02% | 80.75% | 95th pctl | 8 / 149 | |
| Loans / Assets | 75.94% | 45.91% | 61.31% | 68.01% | 93rd pctl | 11 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |