Community State Bank of Rock Falls: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.73 percentage points in Q2 2026, from 74.77% to 77.50%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Community State Bank of Rock Falls is 149th of 323 on loan-to-deposit ratio, 77.50% as of Q2 2026, above the middle of the field. Community State Bank of Rock Falls reported 77.50% on loan-to-deposit ratio for Q2 2026, 3.34 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $217.5M |
| Net loans and leases | $212.7M |
| Loans held for sale | $774K |
| Loans to total assets | 68.31% |
| Loan-to-deposit ratio | 77.50% |
| Net loans to equity capital | 6.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.80% |
| Multifamily (5+ residential) | 0.89% |
| Commercial and industrial | 14.34% |
| Consumer | 2.29% |
| Credit cards | 0.00% |
| Farm | 23.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.77% |
| Construction concentration (Tier 1 capital + allowance) | 1.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.17% |
| Interest income on loans | $3.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $201.8M | $282.4M | 8.01% | 12.66% | 2.73% |
| Q4 2023 | $205.6M | $287.9M | 7.75% | 11.76% | 2.76% |
| Q1 2024 | $204.0M | $297.9M | 7.60% | 12.69% | 2.74% |
| Q2 2024 | $206.3M | $293.5M | 7.49% | 14.02% | 2.92% |
| Q3 2024 | $208.7M | $287.0M | 7.21% | 12.36% | 3.12% |
| Q4 2024 | $208.5M | $292.2M | 6.61% | 12.67% | 3.02% |
| Q1 2025 | $207.8M | $288.4M | 6.45% | 12.57% | 2.90% |
| Q2 2025 | $208.3M | $280.9M | 6.49% | 12.71% | 2.87% |
| Q3 2025 | $210.8M | $276.9M | 6.93% | 12.67% | 2.81% |
| Q4 2025 | $211.1M | $276.3M | 6.66% | 13.30% | 2.61% |
| Q1 2026 | $210.0M | $280.9M | 6.52% | 14.39% | 2.46% |
| Q2 2026 | $217.5M | $280.6M | 6.80% | 14.34% | 2.29% |
Community State Bank of Rock Falls loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank of Rock Falls, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community State Bank of Rock Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21988) · FFIEC NIC profile (RSSD 875048)