Holcomb Bank: how it compares with its peers
Against 138 IL banks with half to twice its assets, Holcomb Bank's strongest measure in Q2 2026 is return on assets (1.53% vs. a 1.15% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.8M).
| Measure | Holcomb Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.15% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.70% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.97% | 64.72% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.8M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.47% | 74.98% | Context |
What it means for lending operations
Its efficiency ratio of 62.97% is better than the 64.72% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Secure State Bank Wonder Lake, IL · $306M
- Tompkins State Bank Avon, IL · $303M
- Hometown National Bank La Salle, IL · $307M
- Flanagan State Bank Flanagan, IL · $300M
- Community Bank Winslow, IL · $311M
- State Bank of Graymont Graymont, IL · $313M
Questions about Holcomb Bank
How big is Holcomb Bank?
Holcomb Bank, established in 1892, is headquartered in Rochelle, IL. It reported $305M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Holcomb Bank's return on assets?
1.53% annualized in Q2 2026, against a 1.15% median for 138 IL banks with half to twice its assets, ahead of 73% of them.
What is Holcomb Bank's efficiency ratio?
62.97% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 64.72%, and lower is better.
Is Holcomb Bank growing its loans?
Net loans grew 5.1% over the year to Q2 2026, while deposits shrank 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.