Community State Bank of Rock Falls: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community State Bank of Rock Falls of Rock Falls, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.89% | 1.35% | -0.46% | 27th below |
| ROAE | 8.54% | 12.06% | -3.52% | 28th below |
| Net Interest Margin | 3.66% | 3.90% | -0.24% | 35th below |
| Efficiency Ratio | 65.05% | 63.15% | +1.90% | 39th below |
| PPNR / Avg Assets | 1.30% | 1.64% | -0.34% | 34th below |
| Yield on Earning Assets | 5.00% | 5.65% | -0.65% | 24th bottom |
| Cost of Funds | 1.46% | 1.85% | -0.39% | 71st above |
| Net Interest Spread | 3.15% | 3.35% | -0.20% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.83% | 0.92% | +2.91% | 4th bottom |
| NPA / Total Assets | 2.89% | 0.67% | +2.22% | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.15% | -0.10% | 26th below |
| ACL / Total Loans | 2.19% | 1.28% | +0.91% | 95th top |
| ACL / NPLs (Coverage) | 57.16% | 1645.81% | -1588.65% | 13th bottom |
| Texas Ratio | 36.87% | 7.14% | +29.73% | 2nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 178.57% | 1189.81% | -1011.24% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.66% | 20.83% | -2.17% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.66% | 20.86% | -2.20% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.93% | 21.94% | -2.01% | 73rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.00% | 12.46% | -0.46% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.81% | 11.67% | -0.86% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.39% | 11.40% | -1.01% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.50% | 78.64% | -1.14% | 56th above |
| Core Deposit Ratio | 89.14% | 87.09% | +2.05% | 50th above |
| Wholesale Funding Ratio | 0.38% | 5.12% | -4.74% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.60% | 6.48% | -5.88% | 23rd bottom |
| Loan Growth (Y/Y) | 4.41% | 7.64% | -3.23% | 44th below |
| Deposit Growth (Y/Y) | -0.11% | 6.03% | -6.14% | 22nd bottom |
See Community State Bank of Rock Falls's peers by name
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Unlock Community State Bank of Rock Falls, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community State Bank of Rock Falls profile, how to read a UBPR, or how this data updates.