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Holcomb Bank

$100M-$1B Specialty: Commercial IL FDIC cert 9080

Rochelle, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -2.0% year over year ($239.4M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 1.53%.
  • Efficiency ratio 62.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.47% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Holcomb Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 13.0% in tier
  • + ROA 0.20% above tier average
  • + Efficiency Ratio 1.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.9% in tier
  • - Credit Risk Growth: Bottom 13.0% in tier
  • - Deposit Outflow: Bottom 29.9% in tier
  • - Liquidity Strain: Bottom 35.9% in tier
  • - Net Interest Margin 0.15% below tier average
Get updates when Holcomb Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $304.8M
+1.9% YoY -2.9% QoQ
-$81.7M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $228.5M
+5.1% YoY -0.4% QoQ
-$29.8M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $239.4M
-2.0% YoY -1.6% QoQ
-$87.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.53%
+25.7% YoY +5.0% QoQ
+0.20% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 3.83%
+11.3% YoY +1.4% QoQ
-0.15% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 62.97%
-5.9% YoY -1.2% QoQ
-1.51% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.03%
+34.3% YoY -70.8% QoQ
-0.89% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 95.47%
+7.2% YoY +1.2% QoQ
+17.52% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 21.24%
-5.9% YoY -0.3% QoQ
-0.79% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.02%
-77.6% YoY -70.1% QoQ
-0.65% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 11.58%
-0.2% YoY +1.7% QoQ
-4.33% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.23%
+14.3% YoY +101.5% QoQ
-0.33% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
60%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 21.2%
-1.3pp YoY
-0.1pp QoQ
 -0.9pp 22.1% 20.1% 22.2% 51%
Brokered Deposits 2.2%
-0.1pp YoY
0.0pp QoQ
 -5.6pp 7.9% 8.0% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 7.9%
-1.3pp YoY
+0.2pp QoQ
 -3.7pp 11.6% 14.7% 12.5% 39%
CRE 49.7%
+1.6pp YoY
-1.9pp QoQ
 +10.1pp 39.5% 37.9% 41.4% 69%
1-4 Family 33.8%
+1.0pp YoY
+1.3pp QoQ
 +1.1pp 32.6% 28.3% 31.3% 59%
Consumer 1.4%
-0.2pp YoY
0.0pp QoQ
 -2.7pp 4.1% 5.4% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 11.6%
0.0pp YoY
+0.2pp QoQ
 -7.2pp 18.8% 19.9% 19.7% 13%
Leverage Ratio 8.8%
-0.1pp YoY
+0.1pp QoQ
 -3.3pp 12.2% 12.2% 12.6% 10%
Total Capital Ratio 12.8%
+0.1pp YoY
+0.2pp QoQ
 -7.1pp 19.9% 20.9% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 55
+5 (+10.0%) YoY
+4 (+7.8%) QoQ
 -4 58 228 482 58%
Assets per Employee ($) $5.5M
-7.3% YoY
-10.0% QoQ
 -$2.0M $7.5M $8.3M $8.8M 24%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 8%
Allowance Coverage 41.39x
-24.4% YoY
+245.6% QoQ
 +17.24x 24.15x 5.62x 20.23x 93%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 21.2%
+2.5pp YoY
+0.7pp QoQ
 +9.0pp 12.2% 10.5% 11.6% 91%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 58%
Net Income ($, YTD) $2.4M
+30.4% YoY
— QoQ
 -$187K $2.6M $11.7M $40.4M 59%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#87 of 659 • Top 13.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (4)

Credit Quality Pressure

risk
#37 of 1256 • Bottom 2.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#123 of 936 • Bottom 13.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#161 of 535 • Bottom 29.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Strain

risk
#249 of 691 • Bottom 35.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.47%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

447
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#447 of 2643 Top 16.9% in $100M-$1B
474
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#474 of 2633 Top 18.0% in $100M-$1B

Top Weaknesses (1 metrics)

2231
Loan-to-Deposit Ratio
liquidity
Value: 95.47%
Peer Median: 77.95%
#2231 of 2643 Bottom 15.6% in $100M-$1B
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