Community State Bank of Rock Falls: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.92 percentage points lower than in Q1 2026, at 57.16%. Within Illinois, Community State Bank of Rock Falls is 220th of 323 on return on assets, 0.89% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community State Bank of Rock Falls sits 0.36 points lower, at 0.89% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.66% |
| Tier 1 risk-based capital ratio | 18.66% |
| Total risk-based capital ratio | 19.93% |
| Tier 1 leverage ratio | 12.00% |
| Equity capital to assets | 10.81% |
| Tangible equity to tangible assets | 10.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.83% |
| Non-performing assets ratio | 2.89% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 36.87% |
| Allowance for credit losses to loans | 2.19% |
| Reserve coverage of non-performing loans | 57.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 8.54% |
| Net interest margin | 3.66% |
| Efficiency ratio | 65.05% |
| Yield on earning assets | 5.00% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.50% |
| Core deposits to total deposits | 89.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.14% |
| Securities to assets | 22.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.87% | 19.87% | 21.14% | 10.57% | 0.76% |
| Q4 2023 | 18.60% | 18.60% | 19.87% | 10.70% | 0.62% |
| Q1 2024 | 18.19% | 18.19% | 19.46% | 10.65% | 0.68% |
| Q2 2024 | 17.98% | 17.98% | 19.24% | 10.62% | 0.58% |
| Q3 2024 | 17.82% | 17.82% | 19.09% | 10.84% | 0.55% |
| Q4 2024 | 18.11% | 18.11% | 19.38% | 10.96% | 0.64% |
| Q1 2025 | 18.52% | 18.52% | 19.78% | 11.29% | 0.64% |
| Q2 2025 | 18.84% | 18.84% | 20.10% | 11.57% | 0.74% |
| Q3 2025 | 18.58% | 18.58% | 19.84% | 11.85% | 0.72% |
| Q4 2025 | 18.99% | 18.99% | 20.25% | 11.99% | 0.50% |
| Q1 2026 | 19.32% | 19.32% | 20.59% | 12.07% | 0.79% |
| Q2 2026 | 18.66% | 18.66% | 19.93% | 12.00% | 0.89% |
Community State Bank of Rock Falls vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank of Rock Falls, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)