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Holcomb Bank
Rochelle, IL · FDIC Certificate #9080 · Chartered 07/0
Total assets
$304.85M
Total deposits
$239.38M
Total equity
$22.59M
Net loans
$228.53M
Branches (offices)
4
Net income (YTD)
$2.37M
Rank: #2,441 of 4,213 U.S. banks by assets · #155 of 322 in Illinois. Assets changed 1.9% and deposits -2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 21.19% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 7.41% |
| Tier 1 leverage ratio | 8.84% |
| Uninsured deposits (share of deposits) | 16.4% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 95.5% |
| Real estate loans (share of loans) | 90.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $206.00M | 90.1% | |
| Commercial & industrial | $18.05M | 7.9% | |
| Consumer / individual | $3.20M | 1.4% | |
| Construction & development | $8.69M | 3.8% | |
| Agricultural | $3.73M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $278.60M | $239.18M | $1.68M | $16.69M |
| Jun 2023 | $305.72M | $239.00M | $1.62M | $17.20M |
| Jun 2024 | $309.66M | $236.52M | $1.32M | $18.14M |
| Jun 2025 | $299.04M | $244.25M | $1.82M | $19.97M |
| Jun 2026 | $304.85M | $239.38M | $2.37M | $22.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $239.38M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $239.38M.
Similar-sized banks
The Farmers Bank Of Milton ($305.12M) · Savings Bank ($304.82M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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