Holcomb Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Risk-weighted assets edged down by 2.5%, from $245.5M to $239.5M, the largest move among the key lines here. Holcomb Bank ranks 163rd of 198 Illinois banks on CET1 ratio, in the lower half at 11.58% (Q2 2026). Holcomb Bank reported 11.58% on CET1 ratio for Q2 2026, 3.51 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.58% |
| Tier 1 risk-based capital ratio | 11.58% |
| Total risk-based capital ratio | 12.83% |
| Tier 1 leverage ratio | 8.84% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $27.7M |
| Tier 1 capital | $27.7M |
| Total risk-based capital | $30.7M |
| Total equity capital | $22.6M |
| Risk-weighted assets | $239.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.41% |
| Tangible equity to tangible assets | 7.41% |
| Equity capital to average assets | 7.21% |
| Internal capital growth rate | -4.01% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $225K |
| Common stock surplus | $6.8M |
| Retained earnings | $20.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.20% | 11.20% | 12.27% | 8.44% | $237.3M |
| Q4 2023 | 11.09% | 11.09% | 12.20% | 7.98% | $234.1M |
| Q1 2024 | 11.30% | 11.30% | 12.42% | 7.95% | $232.4M |
| Q2 2024 | 11.20% | 11.20% | 12.34% | 8.10% | $232.9M |
| Q3 2024 | 11.58% | 11.58% | 12.79% | 8.44% | $229.6M |
| Q4 2024 | 11.51% | 11.51% | 12.72% | 8.61% | $228.9M |
| Q1 2025 | 11.52% | 11.52% | 12.72% | 8.71% | $234.0M |
| Q2 2025 | 11.60% | 11.60% | 12.77% | 8.96% | $236.5M |
| Q3 2025 | 11.15% | 11.15% | 12.39% | 8.83% | $241.5M |
| Q4 2025 | 11.02% | 11.02% | 12.22% | 8.72% | $245.2M |
| Q1 2026 | 11.38% | 11.38% | 12.61% | 8.77% | $245.5M |
| Q2 2026 | 11.58% | 11.58% | 12.83% | 8.84% | $239.5M |
Holcomb Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Holcomb Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Holcomb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9080) · FFIEC NIC profile (RSSD 568135)