BlastPoint's Banking Scorecard
Community State Bank of Rock Falls
Rock Falls, IL
5 branches across IL
Community State Bank of Rock Falls faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 10.9% in tier
- - Delinquency Rate 1.78% above tier average
- - Nonperforming Asset Ratio 1.37% above tier average
- - ROA 0.47% below tier average
- - Net Interest Margin 0.38% below tier average
- - Efficiency Ratio 6.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.2M
-1.6% YoY
+1.1% QoQ
|
-$67.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$205.3M
+1.1% YoY
-0.5% QoQ
|
-$50.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$280.9M
-2.6% YoY
+1.7% QoQ
|
-$47.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
0.80%
+22.1% YoY
+20.6% QoQ
|
-0.47% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
3.55%
+12.0% YoY
+4.2% QoQ
|
-0.38% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
71.57%
-3.0% YoY
+1.4% QoQ
|
+6.28% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
2.67%
-12.4% YoY
+5.5% QoQ
|
+1.78% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.3% in tier |
| Loan-to-Deposit Ratio ? |
73.08%
+3.8% YoY
-2.2% QoQ
|
-3.56% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
19.93%
+1.2% YoY
+5.3% QoQ
|
-2.09% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
2.01%
+1.3% YoY
+3.6% QoQ
|
+1.37% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.8% in tier |
| Tier 1 Capital Ratio ? |
19.32%
+4.3% YoY
+1.8% QoQ
|
+3.49% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 15.0% in tier |
| Non-Interest Income / Assets ? |
0.11%
+5.1% YoY
-76.1% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
55% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.