Community State Bank of Rock Falls: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 3.83% from 3.04% in the prior period. Community State Bank of Rock Falls is a locally rooted FDIC-insured community bank based in Rock Falls, IL. Total assets stand at $318M. Returns are in line with industry norms at 0.89% ROA and 8.54% ROE; net interest margin is 3.66%. Regulatory capital is solid, 18.66% CET1 and 19.93% total risk-based capital ratio. Credit metrics show stress, 3.83% NPLs and a 36.87% Texas Ratio above the 100% historical failure threshold. 5 branches make up the footprint.
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 3.83%, a Texas ratio of 36.87%, per financial data filed with the FFIEC.
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
- Offices
- 5 domestic
- Employees (FTE)
- 51
- Domestic deposits
- $280.6M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $28K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community State Bank of Rock Falls terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Community State Bank of Rock Falls, 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.
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%. BankRegReports band vs the 0.5–1.5% industry norm.
Community State Bank of Rock Falls rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Community State Bank of Rock Falls: Texas Ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 18.66% | 0.89% | 3.83% | 36.87% | 3.66% |
| Q1 2026 | 19.32% | 0.79% | 3.04% | 20.12% | 3.46% |
| Q4 2025 | 18.99% | 0.50% | 3.84% | 24.41% | 3.42% |
| Q3 2025 | 18.58% | 0.72% | 2.77% | 25.13% | 3.44% |
| Q2 2025 | 18.84% | 0.74% | 3.38% | 29.85% | 3.24% |
| Q1 2025 | 18.52% | 0.64% | 3.24% | 20.50% | 3.07% |
| Q4 2024 | 18.11% | 0.64% | 3.38% | 22.50% | 2.94% |
| Q3 2024 | 17.82% | 0.55% | 3.32% | 21.22% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| 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
What the public regulatory sources show for Community State Bank of Rock Falls, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 170 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 18.66% 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?
Community State Bank of Rock Falls 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?
Community State Bank of Rock Falls's Texas Ratio is 36.87% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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