Holcomb Bank
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Data as of · sourced from FFIEC call reports. How we update
Holcomb Bank is an FDIC-insured commercial bank headquartered in Rochelle, IL, established in 1892 (FDIC certificate 9080), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $304.8M, up 1.9% from Q2 2025, the 153rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 11.58% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9080
- Headquarters
- Rochelle, IL
- Established
- 1892
- Total assets, Q2 2026
- $304.8M
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 11.58%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071913566
- Latest call report
- Q2 2026, FFIEC 051 · Holcomb Bank call report
- Holding company
- HOLCOMB BANCORP, INC.
- Asset rank in state
- 153rd of 319 in Illinois
Holcomb Bank is one of the more profitable banks of its size. Based in Rochelle, Illinois, it had $305 million in assets at June 30, 2026, up 1.9% from a year earlier. It returns 21.7% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for banks its size.
Net income for the quarter rose 23% from a year earlier, to $1.2 million. Over the same year, loans grew 5.1% and deposits shrank 2.0%. Where it has less room is capital: it funds 8.84% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Holcomb Bank reported a CET1 capital ratio of 11.58%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Holcomb Bank is the 153rd largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 2.9% to $304.8M, loans fell 0.4% and deposits fell 1.6%. 1-4 family residential loans made up 33.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 27.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Rochelle office books 60% of its branch deposits. Judged on its Q2 2026 call report, Holcomb Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 233 E Il Route 38, Rochelle, IL 61068
- County
- Ogle
- Metro Area
- Rochelle, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 5, 1892
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $239.4M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$19K
- Average total assets
- $313.5M
- Average total loans
- $233.0M
- Average interest-bearing deposits
- $197.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9080
- Fed RSSD
- 568135
- SEC CIK
- 1796085 → filed by HOLCOMB BANCORP, INC.
- Website
- www.holcomb.bank →
- Parent Holding Company
- HOLCOMB BANCORP, INC. (RSSD 1245563)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Holcomb Bank's total assets moved between a low of $297.9M (Q4 2024) and a high of $321.8M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$304.8M total assets against $299.0M; $282.3M total liabilities against $279.1M.
$228.5M net loans and leases against $217.5M; $239.4M total deposits against $244.2M.
$56.4M securities against $59.1M; $10.8M cash and balances due against $12.9M.
$4.2M total interest income against $3.8M; $1.3M total interest expense against $1.3M.
$2.9M net interest income against $2.5M.
$348K total noninterest income against $314K; $2.0M total noninterest expense against $1.8M.
No provision recorded in the last 12 quarters.
$1.2M net income against $1.0M.
1.57% return on assets against 1.31%; 3.79% net interest margin against 3.45%.
11.58% CET1 capital ratio against 11.60%; 8.84% tier 1 leverage ratio against 8.96%.
Inside the full Holcomb Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Holcomb Bank rankings
Its closest position to the top of a national ranking is 1,161 of 3,611, for ROA; its furthest is 1,832 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q3 2024) to 1.57% (Q2 2026) and its net interest margin ran from 2.90% (Q3 2024) to 3.82% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.58% | 1.57% | 0.03% | 0.28% | 3.79% |
| Q1 2026 | 11.38% | 1.43% | 0.11% | 0.96% | 3.69% |
| Q4 2025 | 11.02% | 1.44% | 0.03% | 0.29% | 3.69% |
| Q3 2025 | 11.15% | 1.32% | 0.05% | 1.61% | 3.82% |
| Q2 2025 | 11.60% | 1.31% | 0.02% | 1.39% | 3.45% |
| Q1 2025 | 11.52% | 1.05% | 0.02% | 1.41% | 3.22% |
| Q4 2024 | 11.51% | 1.06% | 0.00% | 1.24% | 3.19% |
| Q3 2024 | 11.58% | 0.79% | 0.04% | 1.54% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Holcomb Bank (main office) | Rochelle , IL | 61068 | $144.0M |
| New Milford Branch | Rockford , IL | 61109 | $48.4M |
| Byron Branch | Byron , IL | 61010 | $27.8M |
| Creston Branch | Creston , IL | 60113 | $19.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 186 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 180 applications, 148 loans originated, $35.5M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Holcomb Bank
What are Holcomb Bank's total assets?
As of the Q2 2026 filing, Holcomb Bank reported total assets of $304.8 million in its FFIEC call report.
Where is Holcomb Bank headquartered?
It is headquartered in Rochelle, IL, United States.
When was Holcomb Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Holcomb Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9080). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Holcomb Bank?
Holcomb Bank's primary federal regulator is the FDIC.
What is Holcomb Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.58% in its Q2 2026 call report, above regulatory requirements.
How many branches does Holcomb Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Holcomb Bank's Texas Ratio?
Its Texas Ratio is 0.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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