Holcomb Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Holcomb Bank of Rochelle, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.25% | +0.32% | 66th above |
| ROAE | 21.67% | 13.17% | +8.50% | 91st top |
| Net Interest Margin | 3.79% | 3.95% | -0.16% | 41st below |
| Efficiency Ratio | 61.52% | 61.50% | +0.02% | 49th below |
| PPNR / Avg Assets | 1.55% | — | — | 47th below |
| Yield on Earning Assets | 5.51% | 5.67% | -0.16% | 46th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.87% | -0.06% | 49th below |
| Net Interest Spread | 3.25% | — | — | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.93% | -0.83% | 73rd above |
| NPA / Total Assets | 0.08% | — | — | 73rd above |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.29% | — | — | 61st above |
| ACL / NPLs (Coverage) | 1252.10% | — | — | — |
| Texas Ratio | 0.28% | 6.06% | -5.78% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.58% | 17.18% | -5.60% | 13th bottom |
| Tier 1 Ratio | 11.58% | 17.21% | -5.63% | 12th bottom |
| Total Capital Ratio | 12.83% | — | — | 14th bottom |
| Leverage Ratio | 8.84% | 11.75% | -2.91% | 10th bottom |
| Equity / Assets | 7.41% | 10.98% | -3.57% | 8th bottom |
| TCE / Tangible Assets | 7.41% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.71% | 80.44% | +16.27% | 16th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.98% | 86.95% | +2.03% | 49th below |
| Wholesale Funding Ratio | 13.45% | — | — | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.94% | — | — | 31st below |
| Loan Growth (Y/Y) | 5.10% | — | — | 48th below |
| Deposit Growth (Y/Y) | -1.99% | — | — | 13th bottom |
See Holcomb Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Holcomb Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Holcomb Bank profile, how to read a UBPR, or how this data updates.