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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.85% | 0.87% | 1.06% | 1.07% | 1.18% | 1.15% | 1.26% | +20 bps | |
| Return on Equity | 10.34% | 13.23% | 13.51% | 16.02% | 15.63% | 16.91% | 16.24% | 17.18% | +116 bps | |
| Net Interest Margin | 2.77% | 3.06% | 3.09% | 3.32% | 3.69% | 3.57% | 3.56% | 3.67% | +35 bps | |
| Efficiency Ratio | 73.93% | 69.07% | 69.15% | 64.75% | 67.15% | 63.71% | 63.70% | 62.24% | -251 bps | |
| Non-Interest Burden | 1.98% | 2.00% | 2.02% | 2.01% | 2.34% | 2.10% | 2.10% | 2.12% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.39% | -5.34% | -6.85% | -3.43% | -2.42% | 4.61% | 4.78% | 1.94% | +537 bps | |
| Loan Growth (YoY) | -1.20% | 1.17% | 2.74% | 3.07% | 5.06% | 7.26% | 6.10% | 5.10% | +203 bps | |
| Deposit Growth (YoY) | -4.51% | -3.50% | -2.15% | 3.27% | 3.15% | -0.12% | 0.00% | -1.99% | -526 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.00% | 0.02% | 0.02% | 0.05% | 0.03% | 0.11% | 0.03% | +1 bps | |
| Net Charge-Offs / Loans | -0.20% | -0.04% | -0.05% | -0.05% | -0.37% | 0.07% | -0.02% | -0.02% | +3 bps | |
| Allowance / Loans | 1.26% | 1.27% | 1.26% | 1.27% | 1.33% | 1.28% | 1.28% | 1.29% | +2 bps | |
| Allowance Coverage of NPLs | 30.2x | n/a | 54.2x | 54.7x | 24.8x | 41.1x | 12.0x | 41.4x | -13.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.61% | 8.71% | 8.96% | 8.83% | 8.72% | 8.77% | 8.84% | -12 bps | |
| Total Risk-Based Capital | 12.79% | 12.72% | 12.72% | 12.77% | 12.39% | 12.22% | 12.61% | 12.83% | +6 bps | |
| Equity / Assets | 6.60% | 6.28% | 6.57% | 6.68% | 6.98% | 6.94% | 7.28% | 7.41% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.97% | 90.54% | 90.04% | 90.18% | 94.69% | 97.23% | 95.53% | 96.71% | +653 bps | |
| Liquid Assets / Assets | 3.86% | 3.41% | 3.47% | 3.50% | 2.14% | 3.94% | 5.05% | 2.78% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 404% | 426% | 424% | n/a | n/a | |