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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 $5.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $222.4M21%Noninterest $58.3MQ2 2025Q2 2026

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%

Executive Summary

  • Earnings: ROA of 0.86%, up 15 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 4.67% of loans (+63 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.00%, up 43 bps from a year ago.
  • Funding: loans stand at 77.50% of deposits as of Q2 2026.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.72%0.67%0.80%0.86%+15 bps
Return on Equity7.52%7.39%6.71%7.50%8.01%+48 bps
Net Interest Margin2.96%3.08%3.12%3.23%3.30%+34 bps
Efficiency Ratio71.14%70.39%70.60%71.57%68.51%-263 bps
Non-Interest Burden1.98%2.03%2.07%2.19%2.13%+15 bps
Growth
Asset Growth (YoY)-2.62%-1.99%-3.01%-1.59%0.60%+322 bps
Loan Growth (YoY)0.95%0.99%1.26%1.07%4.41%+346 bps
Deposit Growth (YoY)-4.29%-3.51%-5.44%-2.63%-0.11%+418 bps
Asset Quality
Nonperforming Loans / Loans4.04%3.68%2.47%2.61%4.67%+63 bps
Net Charge-Offs / Loans0.86%0.32%0.27%0.00%0.03%-84 bps
Allowance / Loans1.91%2.14%2.24%2.25%2.19%+28 bps
Allowance Coverage of NPLs0.5x0.6x0.9x0.9x0.5x0.0x
Capital
Tier 1 Leverage Ratio11.57%11.85%11.99%12.07%12.00%+43 bps
Total Risk-Based Capital20.10%19.84%20.25%20.59%19.93%-17 bps
Equity / Assets9.96%10.63%10.81%10.64%10.81%+86 bps
Liquidity & Funding
Loans / Deposits74.14%76.13%76.42%74.77%77.50%+336 bps
Liquid Assets / Assets2.15%1.25%2.57%5.74%2.28%+13 bps
CRE / Total Capitaln/a43.76%43.03%41.91%n/an/a