HOLCOMB BANK

ROCHELLE, IL | Small | Est. July 5, 1892, midnight | FDIC #9080 | RSSD #568135 | FDIC
Latest Report: 2025-12-31

HOLCOMB BANK is asn small FDIC-insured commercial bank headquartered in ROCHELLE, IL, established in July 5, 1892, midnight. As of 2025-12-31, the bank reported total assets of $312M and total deposits of $238M. Profitability stands at 1.45% ROA and 20.90% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 11.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.29%. FDIC Certificate #9080.

Assets

$312M

Deposits

$238M

Loans

$232M

Equity

$22M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 20.90%
Net Interest Margin (NIM) 3.93%
Yield on Assets 5.83%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio -0.10%
Texas Ratio 0.29%
NPA Ratio 0.02%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 11.02%
Tier 1 Capital 11.02%
Total Capital Ratio 12.22%
Leverage Ratio 8.72%
Loan-to-Deposit 97.23%

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