Holcomb Bank is a state-chartered bank headquartered in Rochelle, Illinois, in business for about 134 years. At the end of Q2 2026 it reported $304.8M in total assets and $239.4M in deposits, with 4 offices.
Holcomb Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 143rd. Loan quality contributes the most (99/100, 0.03%); capital cushion contributes the least (38/100, 8.84%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 70 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.10% |
| Q3 2024 | 8.44% |
| Q4 2024 | 8.61% |
| Q1 2025 | 8.71% |
| Q2 2025 | 8.96% |
| Q3 2025 | 8.83% |
| Q4 2025 | 8.72% |
| Q1 2026 | 8.77% |
| Q2 2026 | 8.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.89% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.30% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $304.8M | 8.84% | 0.03% | 1.53% | 95.5% |
| Q1 2026 | 70 | $314.1M | 8.77% | 0.11% | 1.45% | 94.3% |
| Q4 2025 | 69 | $311.6M | 8.72% | 0.03% | 1.30% | 96.0% |
| Q3 2025 | 69 | $299.6M | 8.83% | 0.05% | 1.26% | 93.4% |
| Q2 2025 | 70 | $299.0M | 8.96% | 0.02% | 1.22% | 89.0% |
| Q1 2025 | 68 | $299.8M | 8.71% | 0.02% | 1.09% | 88.9% |
| Q4 2024 | 67 | $297.9M | 8.61% | 0.00% | 0.89% | 89.4% |
| Q3 2024 | 65 | $307.0M | 8.44% | 0.04% | 0.82% | 91.8% |
| Q2 2024 | 64 | $309.7M | 8.10% | 0.00% | 0.83% | 89.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Secure State BankBank Wonder Lake, IL | 68 out of 100, Moderate | $305.6M | 13.0% | 1.31% | vs |
| Tompkins State BankBank Avon, IL | 73 out of 100, Strong | $303.5M | 9.8% | 0.20% | vs |
| Hometown National BankBank La Salle, IL | 78 out of 100, Strong | $307.2M | 11.3% | 0.17% | vs |
| Flanagan State BankBank Flanagan, IL | 67 out of 100, Moderate | $300.3M | 9.6% | 0.23% | vs |
| Community BankBank Winslow, IL | 75 out of 100, Strong | $310.8M | 16.0% | 1.50% | vs |
| State Bank of GraymontBank Graymont, IL | 51 out of 100, Below average | $312.7M | 11.8% | 3.61% | vs |
Deposit insurance
Is my money safe at Holcomb Bank?
Yes. Holcomb Bank is an FDIC-insured institution (FDIC certificate #9080). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.4% of deposits ($39.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.83% (benchmark: 10%).
4 locations
Branches
Holcomb Bank lists 4 offices in 4 cities. Most locations:
- Byron, IL (1)
- Creston, IL (1)
- Rochelle, IL (1)
- Rockford, IL (1)
HMDA 2025
Mortgage lending
In 2025, Holcomb Bank reported 180 home-loan applications under HMDA (LEI 549300JRDBJ5RPA6TY76): 148 originated ($35,450,000 total), 8 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Holcomb Bank
- Former names
- Holcomb State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9080
- RSSD ID
- 568135
- Primary regulator
- FDIC
- Holding company
- Holcomb Bcorp Inc
- Established
- July 5, 1892
- Headquarters
- 233 E Il Route 38, Rochelle, IL 61068
- Website
- www.holcomb.bank
- Employees
- 55
Quick answers
Holcomb Bank: common questions
Is Holcomb Bank FDIC insured?
Yes. Holcomb Bank is an FDIC-insured institution (FDIC certificate #9080). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Holcomb Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Holcomb Bank ever failed?
There is no failure record for FDIC certificate #9080 in the FDIC failed bank list.
How many branches does Holcomb Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rochelle
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northern Illinois Federal Credit UnionCredit union Dekalb, IL | 80 out of 100, Strong | $18.0M | 14.7% | 1.01% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| The First National Bank in AmboyBank Amboy, IL | 78 out of 100, Strong | $324.5M | 10.7% | 0.04% | vs |
| First National Bank of OmahaBank Omaha, NE | 72 out of 100, Strong | $34.2B | 10.8% | 0.78% | vs |
| Old Second National BankBank Aurora, IL | 71 out of 100, Strong | $6.9B | 12.0% | 1.08% | vs |
| The Harvard State BankBank Harvard, IL | 70 out of 100, Strong | $331.5M | 8.8% | 0.26% | vs |