PackageTrendsPeer
Letter portraitLegal landscape

Community State Bank of Rock Falls

Rock Falls, IL · Cert 21988 · Community Illinois Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

36

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community State Bank of Rock Falls

Rock Falls, IL · Cert 21988 · Community Illinois Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$318.4MAssets
$217.5MLoans
$280.6MDeposits
$34.4MEquity
Loan mix
81%RE $152.3M16%C&I $30.2M3%Consumer $5.2MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $222.4M21%Noninterest $58.3MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

0.86%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+34 bps YoY

Efficiency Ratio (YTD, annualized)

68.51%-263 bps YoY

Tier 1 Leverage Ratio

12.00%+43 bps YoY

NIM

4.26%Q2 ’244.42%Q2 ’254.57%Q2 ’26+12%+11%

Non-interest income vs. expense

2.22%Q2 ’242.40%Q2 ’252.52%Q2 ’26+9%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.63%0.63%0.66%0.71%0.72%0.67%0.80%0.86%+15 bps
Net Interest Margin2.69%2.72%2.88%2.96%3.08%3.12%3.23%3.30%+34 bps
Non-Interest Burden1.89%1.88%2.01%1.98%2.03%2.07%2.19%2.13%+15 bps
Loan Growth (YoY)3.44%1.43%1.85%0.95%0.99%1.26%1.07%4.41%+346 bps
Nonperforming Loans / Loans3.18%3.17%2.97%4.04%3.68%2.47%2.61%4.67%+63 bps
Allowance / Loans2.33%2.29%2.29%1.91%2.14%2.24%2.25%2.19%+28 bps
Tier 1 Leverage Ratio10.84%10.96%11.29%11.57%11.85%11.99%12.07%12.00%+43 bps
Equity / Assets9.47%8.81%9.51%9.96%10.63%10.81%10.64%10.81%+86 bps
Liquid Assets / Assets1.29%4.37%4.10%2.15%1.25%2.57%5.74%2.28%+13 bps

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community State Bank of Rock Falls

Rock Falls, IL · Cert 21988 · Peer group: banks under $1B in assets in IL (n=149-151) · Community Illinois Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$318.4MAssets
$217.5MLoans
$280.6MDeposits
$34.4MEquity

Return on Assets

0.86%

Rank 96 of 151

Net Interest Margin

3.30%

Rank 92 of 151

Efficiency Ratio

68.51%

Rank 97 of 151

Equity / Assets

10.81%

Rank 68 of 151

Non-interest income vs. expense

$1.3M$8.3MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 36% of banks under $1B in assets in IL
Bank 68.51%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.86%0.70%1.03%1.34%Beats 36%96 / 151
Net Interest Margin3.30%3.02%3.43%3.83%Beats 39%92 / 151
Nonperforming Loans / Loans4.67%0.20%0.66%1.77%Beats 5%143 / 149
Tier 1 Capital Ratio18.66%11.83%14.17%18.66%Beats 75%38 / 151
Equity / Assets10.81%9.10%10.65%12.40%Beats 55%68 / 151
Loans / Assets68.31%45.91%61.31%68.01%75th pctl37 / 151