# HOLCOMB BANK
ROCHELLE, IL · FDIC certificate 9080 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $304.8M | |
| Deposits | $239.4M | |
| Loans and leases | $231.5M | |
| Total equity | $22.6M | |
| Loans / deposits | 95.47% (p82 of band) | 82.04% |
| Liquid assets / assets | 22.04% (p39 of band) | |
| Uninsured deposits / deposits | 16.44% (p17 of band) | 25.97% |
| Brokered deposits | 1.75% | |
| Wholesale funding | 15.20% (p87 of band) | |
| FHLB advances / assets | 13.45% | |
| Tier 1 leverage | 8.84% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -23.16% (p19 of band) | -8.10% |
| AOCI / equity | 0.85% (p94 of band) | |
| ROA (annualized) | 1.53% (p66 of band) | 1.28% |
| Net interest margin | 3.83% (p46 of band) | 3.91% |
| Efficiency ratio | 62.97% (p55 of band) | |
| Noncurrent loans | 0.03% (p15 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 4138.89% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 38.47% (p45 of band) | |
| Auto loans | $799,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | charge-offs p90 |
| 2014-06 | 2 | charge-offs p90 | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-06 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2015-09 | 3 | charge-offs p90, reserve under noncurrent, deposits shrinking |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | capital falling, losing money | deposits shrinking |
| 2016-06 | 4 |  |  |
| 2016-09 | 2 |  | capital falling, losing money |
| 2016-12 | 3 | losing money |  |
| 2017-03 | 4 | noncurrent p90, uninsured deposits leaving | losing money |
| 2017-06 | 2 |  | charge-offs p90, noncurrent p90 |
| 2017-09 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2018-06 | 2 |  | losing money, expense ratio p90 |
| 2018-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2018-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | charge-offs p90 |  |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | uninsured deposits leaving | capital falling |
| 2021-12 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity | charge-offs p90 |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 2 |  | capital falling, AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  | uninsured deposits leaving |
| 2024-03 | 3 | capital falling | deposits shrinking |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 3 | uninsured deposits leaving |  |
| 2024-12 | 2 | assets shrinking | wholesale funding >15%, uninsured deposits leaving |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 2 | wholesale funding >15%, capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-07 [Football Frenzy Play of the Week Nominations: Week 3 - WIFR](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZUkzWk9TRy1vY2dUVUJ6dlI0aXpKRjVuV1VsUDlKWHF1Znh5Q3AzOWtsaG5sWncxeFdvSXlpUU84MlRpWDdGcEFVbGs0bTFTcHRtWHdqNGRHTGpaRDlBb3VzZ2Y4eWZ3cnRiTnZFVmxDYTNQSGRJTW56MU14ZWZ5dmtkb0JTSDNkZlFXSnVCVGFWeFRn0gGoAUFVX3lxTE15MGxVRlg5MjRBdjVvMnIzYXRDMnJpWEVBZUliZmlRZGtpSUhRTEJqNWQwenBsLUtRakprS1YyQXcyS094VG9JMF8tWXIzaFRzUWFZS01FWENtd1YyZnVpLTBWYTNWbU5sd25xYnQtOUt5bkFvUGk3RGJIam9jVUxuTW02SWZRcjFPQlV0bEMtNFpjeUl6R0VoYzRiYnU3TTFYWHZOcEpUbA?oc=5) · WIFR
- 2018-03-16 [Holcomb Bank welcomes vice president of commercial lending - Rockford Register Star](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSF9WQUtySGNDdWZFMGFQUVRBMXJNYWRpNjdHVzd1R3JBTUlBRVdEcklCTjVKZlhSM0xIWjQwa1dlQ2JXZ3I0d0o5RW9QTXNfQzlydjA2UmVJbXJkTExTUTVnNG9TTWtObm96MUowam9xQlR0N2treUhRMXY5U3A0TGpaRjRUalAxeXVjNW11bVEzczJpdENONEYyM0JkaXM?oc=5) · Rockford Register Star
- 2018-07-06 [Holcomb Bank hires financial adviser - Rockford Register Star](https://news.google.com/rss/articles/CBMinwFBVV95cUxNMmhQZTJ4WV9jTlpOejBCQjNGR256Wmg1VGFuejVVLURvWGpubzlVbzlOekdfaHBlSTNBUE5EdVBPdWVkdzEwMDRQUEREMVdEQnZiNjVRQXI4eHB6NTc1WlZKazhBRVlnMXUxYmcteUMxNmlTcmNWa0JnbFVVVGk1dmtRdkVYNEwxZVhacUpsNzNjTGZ6V0FFZXktbXlXd3c?oc=5) · Rockford Register Star
- 2023-05-19 [Conner Heath Ewald Obituary May 19, 2023 - Unger-Horner Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBjOUJDTmYzZ2dEcEsxVjhCZjFaTTFhNzViclZyM3BHTDU2T2YyRVY1TDdteC0yeGxqa2FzVmllQ01qSjdRS0pEVHBWQ3RZc19uR3RESzhOd25sVXc3SmthZA?oc=5) · Unger-Horner Funeral Home & Cremation Service
- 2026-04-15 [Meridian Education Foundation hosts 2026 draw-down event - Shaw Local](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdEhiQUg3MEhyclpPVVVQMU93eDUxZGxweEpIdUVEQ2lLMzRmeHgzLXFucXRSOTRwRVA3aUlFNFRWd0lvVm9Bc2s0VTdsellRTklKaXBYUHJNQ2Z4UDJ1akRTdklFQWZCNzZBV0Y0NWg5UHNIYUF0X0FfT1I4Yjh3eVRHcGN2ZU1pYk9EaHZlOFRnYlBnSGk1WWFTUkNDTVp1SlZZV2tDU25XWHR5WV9xTg?oc=5) · Shaw Local
- 2024-09-02 [Dormant Walgreens Sells for $1.6M (Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxOVFpmaDJXdnVabkVoVV9zdEw2dlRmc01OeHNVRkhieGhnWDlYWTFUTjVBTmRIUDhYaHBNNFpGMU43OTVSdjdWd1hGUEZ6bE5SRkp4NnBkMkZDNXJvWkxCMGFxeFEyRlJUQkMxc1NtNThIY3hGZFdtLUkzcGVWQ1M4b192TFl1cC10WUhVV1p3?oc=5) · Arkansas Business
- 2026-09-10 [Football Frenzy Play of the Week: Week 3 Winner - WIFR](https://news.google.com/rss/articles/CBMijgFBVV95cUxOaXhvVXFQQVNvTEVkdzBWWG9wRFUyNG1QMXFxWkQ1Y3Q5ekdRMGJIN09QdGtRNHNvYjNhaHB2STFXTlhic2J3UFQzb0FUeTZHak9YMzBVbnJRN1laVFJ6MEdKT09wQVk5RTIzVVFzenRpbDBKZGNYMTRSYXJ0OHZCWUJpd2ZTdWhrUElTZDVn0gGiAUFVX3lxTFB0V1o0TC1kbld5R244YUdxMU9iS1poVjk2dFRxTFNBZk1aNlRabERlbW16djhqc0RaQnE1cHoxMzhPcmFPRWdha3JWbjNuTXJ4RlVZMmk2QUl5UmhrdzlYdVhZVC1nTXBSbVZHVUNaTDJTd2FwYmh0dWhSU2FzSThtUDhucldjSjZWaUMyN3Ffb2dWdjQ5WFQxQzR0UWZyajk5dw?oc=5) · WIFR
- 2025-03-29 [Randy P. Masterson Obituary (2025) - Sterling, IL - Schilling Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNa0Iyd2I4UVFqNXA0LXQzSDBDSWs5QU5DQWtqMmFvNzhfTUFZY2ZEOG94akktRmNaLVR5RF9qejVNYWZCcUo0Nkw0TGFrSkwtSkt0NkFNcGRVbXlidVh5SFQxQ25oZXZKcEFrODRhNTdNbVVVM3JzWG1MdjVFcFNqeXJaM2c?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9080 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "9080", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide