B
Community State Bank of Rock Falls
Rating Date
March 2026
Risk Based
Capital Ratio
20.25
Leverage
Ratio
11.99
Return On
Assets
0.65%
Total
Assets
314.60M
Capital
34.01M
Total
Deposits
276.27M
Net
Income
2.13M
My Lists My Alerts
Weiss Ratings Community State Bank of Rock Falls
Rock Falls, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 4.80
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 3.70
Stability Index 6.50
Company Info Community State Bank of Rock Falls
Rock Falls, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 21988
Phone Number (815) 625-1110
Website www.commstbk.com
Asset Quality Community State Bank of Rock Falls
Rock Falls, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth -3.01%
5-Year Asset Growth 0.29%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 2.48%
Non-Performing Loans to Capital 12.69%
Non-Performing Loans to Loans 3.84%
Balance Sheet Community State Bank of Rock Falls
Rock Falls, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 314.60M
Total Deposits 276.27M
Capital and Reserves Community State Bank of Rock Falls
Rock Falls, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 34.01M
Leverage Ratio 11.99
Loan Loss Reserves to Loans 2.24%
Risk-Based Capital Ratio 20.25
Liquidity Community State Bank of Rock Falls
Rock Falls, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 22.61%
Liquidity Ratio 22.41%
Profitability Community State Bank of Rock Falls
Rock Falls, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.76%
Net Income 2.13M
Net Interest Spread 3.29%
Operating Profit to Average Assets 0.85%
Overhead Efficiency Ratio 70.60%
Return on Assets 0.65%
Return on Equity 6.69%