Community State Bank of Rock Falls
Also written as CSB of Rock Falls
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Data as of · sourced from FFIEC call reports. How we update
Community State Bank of Rock Falls is an FDIC-insured commercial bank headquartered in Rock Falls, IL, established in 1975 (FDIC certificate 21988), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $318.4M, up 0.6% from Q2 2025, the 147th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 18.66% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21988
- Headquarters
- Rock Falls, IL
- Established
- 1975
- Total assets, Q2 2026
- $318.4M
- Assets vs Q2 2025
- +0.6%
- CET1 ratio, Q2 2026
- 18.66%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071124339
- Latest call report
- Q2 2026, FFIEC 051 · Community State Bank of Rock Falls Q3 2026 call report, filed October 19, 2026 (preliminary)
- Holding company
- COMMUNITY ILLINOIS CORPORATION
- Asset rank in state
- 147th of 319 in Illinois
Problem loans are rising at Community State Bank of Rock Falls. It reported $318 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.18% of loans from 3.52% a year earlier. It holds commercial real estate loans equal to only 17% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 26.4% of the capital and reserves that would absorb them, 10.0 times the median of 2.6% for banks its size.
Net income for the quarter rose 20% from a year earlier, to $729,000. Over the same year, loans grew 4.4% and deposits shrank 0.1%.
As of June 30, 2026, Community State Bank of Rock Falls reported a CET1 capital ratio of 18.66%, a return on assets of 0.89%, a nonperforming-loan ratio of 4.67% and a Texas ratio of 26.42%. The figures come from its call report filed with the FFIEC.
Community State Bank of Rock Falls ranks as the 147th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $318.4M, loans rose 3.6% and deposits fell 0.1%. 1-4 family residential loans made up 41.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 23.2%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Morrison office books 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community State Bank of Rock Falls meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1801 1st Ave, Rock Falls, IL 61071
- County
- Whiteside
- Metro Area
- Sterling, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- April 24, 1975
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $280.6M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $28K
- Average total assets
- $327.8M
- Average total loans
- $213.8M
- Average interest-bearing deposits
- $225.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 1975
- FDIC Cert
- 21988
- Fed RSSD
- 875048
- Website
- www.commstbk.com →
- Parent Holding Company
- COMMUNITY ILLINOIS CORPORATION (RSSD 1427659)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community State Bank of Rock Falls's total assets ranged from $309.5M (Q3 2023) to $329.4M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$318.4M total assets against $316.5M; $284.0M total liabilities against $285.0M.
$212.7M net loans and leases against $204.3M; $280.6M total deposits against $280.9M.
$72.3M securities against $78.8M; $15.6M cash and balances due against $15.6M.
$3.8M total interest income against $3.6M; $1.0M total interest expense against $1.2M.
$2.8M net interest income against $2.5M.
$310K total noninterest income against $356K; $2.0M total noninterest expense against $1.9M.
$50K provision for credit losses against $100K.
$729K net income against $606K.
0.89% return on assets against 0.74%; 3.66% net interest margin against 3.24%.
18.66% CET1 capital ratio against 18.84%; 12.00% tier 1 leverage ratio against 11.57%.
Inside the full Community State Bank of Rock Falls terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Community State Bank of Rock Falls rankings
Its closest position to the top of a national ranking is 85 of 3,640, for Texas Ratio; its furthest is 2,734 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q4 2025) to 0.89% (Q2 2026) and its net interest margin ran from 2.87% (Q3 2024) to 3.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.66% | 0.89% | 4.67% | 26.42% | 3.66% |
| Q1 2026 | 19.32% | 0.79% | 2.61% | 14.43% | 3.46% |
| Q4 2025 | 18.99% | 0.50% | 2.47% | 13.07% | 3.42% |
| Q3 2025 | 18.58% | 0.72% | 3.68% | 20.25% | 3.44% |
| Q2 2025 | 18.84% | 0.74% | 4.04% | 24.03% | 3.24% |
| Q1 2025 | 18.52% | 0.64% | 2.97% | 15.13% | 3.07% |
| Q4 2024 | 18.11% | 0.64% | 3.17% | 16.37% | 2.94% |
| Q3 2024 | 17.82% | 0.55% | 3.18% | 16.60% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Morrison Branch | Morrison , IL | 61270 | $92.6M |
| Community State Bank of Rock Falls (main office) | Rock Falls , IL | 61071 | $79.5M |
| Sterling Il Branch | Sterling , IL | 61081 | $40.2M |
| Fulton Branch | Fulton , IL | 61252 | $37.7M |
| Dixon Branch | Dixon , IL | 61021 | $30.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 170 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, Community State Bank of Rock Falls reported total assets of $318.4 million in its FFIEC call report.
Where is Community State Bank of Rock Falls headquartered?
It is headquartered in Rock Falls, IL, United States.
When was Community State Bank of Rock Falls founded?
It was established in 1975, per the FDIC institution directory.
Is Community State Bank of Rock Falls FDIC-insured?
Yes. It 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.
What is Community State Bank of Rock Falls's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community State Bank of Rock Falls operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community State Bank of Rock Falls's Texas Ratio?
Its Texas Ratio is 26.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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