B
Community State Bank of Rock Falls
Rating Date
October 2025
Risk Based
Capital Ratio
19.84
Leverage
Ratio
11.85
Return On
Assets
0.70%
Total
Assets
314.55M
Capital
33.44M
Total
Deposits
276.89M
Net
Income
1.72M
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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 4.60
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 3.80
Stability Index 6.40
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 -1.99%
5-Year Asset Growth 3.55%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.33%
Non-Performing Assets to Assets 1.74%
Non-Performing Loans to Capital 15.32%
Non-Performing Loans to Loans 2.77%
Balance Sheet Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Total Assets 314.55M
Total Deposits 276.89M
Capital and Reserves Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Capital 33.44M
Leverage Ratio 11.85
Loan Loss Reserves to Loans 2.14%
Risk-Based Capital Ratio 19.84
Liquidity Community State Bank of Rock Falls
Rock Falls, IL 		Click to
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Hot Money Ratio 16.63%
Liquidity Ratio 21.31%
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 1.72M
Net Interest Spread 3.25%
Operating Profit to Average Assets 0.92%
Overhead Efficiency Ratio 70.39%
Return on Assets 0.70%
Return on Equity 7.39%