COMMUNITY STATE BANK OF ROCK FALLS

ROCK FALLS, IL | Small | Est. April 24, 1975, midnight | FDIC #21988 | RSSD #875048 | FDIC
Latest Report: 2025-12-31

COMMUNITY STATE BANK OF ROCK FALLS is asn small FDIC-insured commercial bank headquartered in ROCK FALLS, IL, established in April 24, 1975, midnight. As of 2025-12-31, the bank reported total assets of $315M and total deposits of $276M. Profitability stands at 0.51% ROA and 4.78% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 18.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.42% and a Texas Ratio of 15.49%. FDIC Certificate #21988.

Assets

$315M

Deposits

$276M

Loans

$211M

Equity

$34M

Profitability

Return on Assets (ROA) 0.51%
Return on Equity (ROE) 4.78%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.08%
Cost of Funds 1.61%

Asset Quality

NPL Ratio 2.42%
Net Charge-Off Ratio 0.27%
Texas Ratio 15.49%
NPA Ratio 1.91%
ACL / Loans 2.24%

Capital & Liquidity

CET1 Ratio 18.99%
Tier 1 Capital 18.99%
Total Capital Ratio 20.25%
Leverage Ratio 11.99%
Loan-to-Deposit 76.42%

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