B
Community State Bank of Rock Falls
Rating Date
June 2025
Risk Based
Capital Ratio
19.78
Leverage
Ratio
11.29
Return On
Assets
0.64%
Total
Assets
323.32M
Capital
30.74M
Total
Deposits
288.44M
Net
Income
533.00K
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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 4.80
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 3.50
Stability Index 6.20
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 -1.84%
5-Year Asset Growth 3.55%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 1.76%
Non-Performing Loans to Capital 11.70%
Non-Performing Loans to Loans 3.24%
Balance Sheet Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Total Assets 323.32M
Total Deposits 288.44M
Capital and Reserves Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Capital 30.74M
Leverage Ratio 11.29
Loan Loss Reserves to Loans 2.29%
Risk-Based Capital Ratio 19.78
Liquidity Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Hot Money Ratio 22.10%
Liquidity Ratio 26.15%
Profitability Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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5-Year Return on Average Assets 0.76%
Net Income 533.00K
Net Interest Spread 3.07%
Operating Profit to Average Assets 0.85%
Overhead Efficiency Ratio 73.80%
Return on Assets 0.64%
Return on Equity 7.19%