Community State Bank of Rock Falls

BankRock Falls, Illinois
www.commstbk.com

Total Assets

$314.6M

Total Deposits

$276.3M

Branches

5

Established

1975

TFS Health Grade

$
D+

68.8 / 100

Below average financial health

How we grade

Community State Bank of Rock Falls is a bank headquartered in Rock Falls, Illinois, established in 1975. With $314.6M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (68.8/100).

Capital & Safety

Tier 1 Capital Ratio
11.99%(8%)
Total Capital Ratio
20.25%(10%)
Non-Performing Loan Ratio
2.47%

Profitability

Return on Assets (ROA)
0.67%(1%)
Return on Equity (ROE)
6.71%(10%)
Net Interest Margin
3.40%
Efficiency Ratio
70.60%(60%)

Lending & Liquidity

Total Loans
$211.1M
Loan-to-Deposit Ratio
74.70%
Net Charge-Off Ratio
0.27%

Growth

Asset Growth (YoY)
-3.01%
Deposit Growth (YoY)
-5.44%
Net Income
$2.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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