COMMUNITY STATE BANK OF ROCK FALLS
COMMUNITY STATE BANK OF ROCK FALLS is an FDIC-insured commercial bank headquartered in ROCK FALLS, IL, established in 1975. As of , 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 3.40%. CET1 capital ratio: 18.99%, well above regulatory minimums. NPL ratio: 3.84% · Texas Ratio: 23.20%. Operates 5 domestic branches.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Community State Bank of Rock Falls rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 18.99% | 0.51% | 3.84% | 23.20% | 3.40% |
| 2025-09-30 | 18.58% | 0.74% | 2.77% | 17.61% | 3.41% |
| 2025-06-30 | 18.84% | 0.76% | 3.38% | 22.22% | 3.21% |
| 2025-03-31 | 18.52% | 0.66% | 3.24% | 19.61% | 3.04% |
| 2024-12-31 | 18.11% | 0.66% | 3.38% | 21.12% | 2.91% |
| 2024-09-30 | 17.82% | 0.57% | 3.32% | 19.64% | 2.84% |
| 2024-06-30 | 17.98% | 0.61% | 3.29% | 20.68% | 2.71% |
| 2024-03-31 | 18.19% | 0.70% | 1.88% | 11.97% | 2.90% |
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Frequently asked about COMMUNITY STATE BANK OF ROCK FALLS
What are Community State Bank of Rock Falls's total assets?
As of the Q4 2025 filing, Community State Bank of Rock Falls reported total assets of $314.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community State Bank of Rock Falls headquartered?
Community State Bank of Rock Falls is headquartered in ROCK FALLS, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Community State Bank of Rock Falls founded?
Community State Bank of Rock Falls was established in 1975, per the FDIC institution directory.
Is Community State Bank of Rock Falls FDIC-insured?
Yes. Community State Bank of Rock Falls is an FDIC-insured commercial bank (FDIC Certificate #21988). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community State Bank of Rock Falls?
Community State Bank of Rock Falls's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Community State Bank of Rock Falls's CET1 capital ratio?
Community State Bank of Rock Falls reported a Common Equity Tier 1 (CET1) capital ratio of 18.99% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Community State Bank of Rock Falls operate?
Community State Bank of Rock Falls operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Community State Bank of Rock Falls's Texas Ratio?
Community State Bank of Rock Falls's Texas Ratio is 23.20% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.