Rochelle, IL · Cert 9080 · Holcomb Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Rockford, IL · 2026 SOD (annual) · 0.5% share · #17 of 21 inst. · $0.0B of $9.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 1.00% | 1.04% | 1.15% | 1.21% | +25 bps | |
| Return on Equity | 14.82% | 15.07% | 15.60% | 16.24% | 16.80% | +198 bps | |
| Net Interest Margin | 3.22% | 3.38% | 3.39% | 3.56% | 3.65% | +42 bps | |
| Efficiency Ratio | 66.88% | 66.98% | 66.11% | 63.70% | 62.97% | -391 bps | |
| Non-Interest Burden | 2.02% | 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 / Loans | 0.02% | 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 / Loans | 1.27% | 1.33% | 1.28% | 1.28% | 1.29% | +2 bps | |
| Allowance Coverage of NPLs | 54.7x | 24.8x | 41.1x | 12.0x | 41.4x | -13.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.96% | 8.83% | 8.72% | 8.77% | 8.84% | -12 bps | |
| Total Risk-Based Capital | 12.77% | 12.39% | 12.22% | 12.61% | 12.83% | +6 bps | |
| Equity / Assets | 6.68% | 6.98% | 6.94% | 7.28% | 7.41% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.18% | 94.69% | 97.23% | 95.53% | 96.71% | +653 bps | |
| Liquid Assets / Assets | 3.50% | 2.14% | 3.94% | 5.05% | 2.78% | -72 bps | |
| CRE / Total Capital | n/a | 404% | 426% | 424% | n/a | n/a | |