Total Assets
$312M
Total balance-sheet footings
FDIC Cert #9080 · Rochelle, Illinois · Est. 1892
Holcomb Bank - FDIC Bank Health Profile
A community-scale look at Holcomb Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $312M
- Total assets
- B
- Health grade · Good
- 1.30%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
Holcomb Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.02% Tier 1, profitable at 1.30% ROA, 66% efficiency ratio.
- #2,437
- largest of 4,313 FDIC banks by assets
- 43rd
- percentile by asset size, nationally
- 11.02%
- Tier 1 ratio - above the 10% well-capitalized line
- 64th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Holcomb Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Holcomb Bank's composite health score
Tier 1 Capital Ratio (11.02%) 28/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (0.29%) 20/20
Efficiency Ratio (66.11%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$238M
Customer-funded liabilities
Net Loans
$229M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Holcomb Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Holcomb Bank's score of 76/100 falls in the highlighted band.
Holcomb Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Holcomb Bank's $312M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.02%
Texas Ratio
0.29%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
19.49%
Efficiency Ratio
66.11%
What the numbers say about Holcomb Bank
Holcomb Bank is an FDIC-insured institution (Certificate #9080) headquartered in Rochelle, Illinois, established in 1892. It holds $312M in total assets - 2,437th of 4,313 FDIC-insured banks, $238M in customer deposits, and $229M in net loans. On safety, its Tier 1 capital ratio of 11.02% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.29% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, Holcomb Bank ranks 154th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Holcomb Bank reports a Texas Ratio of 0.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Holcomb Bank (FDIC Cert #9080) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Holcomb Bank's health grade?▼
Holcomb Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Holcomb Bank?▼
Holcomb Bank holds $312M in total assets and $238M in deposits, ranking 2,437th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rochelle, Illinois.
Is my money safe at Holcomb Bank?▼
Yes, deposits at Holcomb Bank (Certificate #9080) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Holcomb Bank's Tier 1 Capital Ratio?▼
Holcomb Bank has a Tier 1 Capital Ratio of 11.02%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Holcomb Bank?▼
Holcomb Bank has a Texas Ratio of 0.29%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Holcomb Bank?▼
Holcomb Bank has an Efficiency Ratio of 66.11%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Holcomb Bank's profile as a depositor or analyst.
- Holcomb Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Holcomb Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.