B
Community State Bank of Rock Falls
Rating Date
August 2026
Risk Based
Capital Ratio
19.93
Leverage
Ratio
12.00
Return On
Assets
0.84%
Total
Assets
318.39M
Capital
34.43M
Total
Deposits
280.64M
Net
Income
1.37M
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Weiss Ratings Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Rating B
Asset Quality Index 3.20
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 4.40
Stability Index 6.60
Company Info Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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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
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1-Year Asset Growth 0.60%
5-Year Asset Growth 0.29%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 2.55%
Non-Performing Loans to Capital 23.91%
Non-Performing Loans to Loans 3.83%
Balance Sheet Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Total Assets 318.39M
Total Deposits 280.64M
Capital and Reserves Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Capital 34.43M
Leverage Ratio 12.00
Loan Loss Reserves to Loans 2.19%
Risk-Based Capital Ratio 19.93
Liquidity Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Hot Money Ratio 22.51%
Liquidity Ratio 21.11%
Profitability Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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5-Year Return on Average Assets 0.75%
Net Income 1.37M
Net Interest Spread 3.56%
Operating Profit to Average Assets 1.14%
Overhead Efficiency Ratio 68.51%
Return on Assets 0.84%
Return on Equity 8.02%