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
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 75% of banks under $1B in assets in IL (rank 38 of 151).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in IL (rank 143 of 149).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Unfavorable gap of $7.0M · efficiency ratio beats 36% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.70% | 1.03% | 1.34% | Beats 36% | 96 / 151 | | |
| Return on Equity | 7.93% | 6.74% | 9.34% | 12.94% | Beats 37% | 95 / 151 | | |
| Net Interest Margin | 3.30% | 3.02% | 3.43% | 3.83% | Beats 39% | 92 / 151 | | |
| Efficiency Ratio | 68.51% | 54.64% | 64.89% | 72.50% | Beats 36% | 97 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.67% | 0.20% | 0.66% | 1.77% | Beats 5% | 143 / 149 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 49% | 77 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 18.66% | 11.83% | 14.17% | 18.66% | Beats 75% | 38 / 151 | | |
| Total Risk-Based Capital Ratio | 19.93% | 12.22% | 14.54% | 19.92% | Beats 75% | 37 / 151 | | |
| Equity / Assets | 10.81% | 9.10% | 10.65% | 12.40% | Beats 55% | 68 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.50% | 54.39% | 71.02% | 80.75% | 66th pctl | 50 / 149 | | |
| Loans / Assets | 68.31% | 45.91% | 61.31% | 68.01% | 75th pctl | 37 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |