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Community State Bank of Rock Falls

$100M-$1B Specialty: Agricultural IL FDIC cert 21988

Rock Falls, IL

5 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -0.1% year over year ($280.6M on the books).
  • Delinquency rate 4.78%.
  • Return on assets 0.86%.
  • Efficiency ratio 68.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.80% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Community State Bank of Rock Falls faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 32.0% in tier
  • - Credit Risk Growth: Bottom 49.1% in tier
  • - Nonperforming Asset Ratio 2.80% above tier average
  • - ROA 0.46% below tier average
  • - Net Interest Margin 0.30% below tier average
  • - Efficiency Ratio 4.03% above tier average
Get updates when Community State Bank of Rock Falls releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $318.4M
+0.6% YoY +0.1% QoQ
-$68.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $212.7M
+4.1% YoY +3.6% QoQ
-$45.6M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $280.6M
-0.1% YoY -0.1% QoQ
-$46.1M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 0.86%
+21.5% YoY +7.1% QoQ
-0.46% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.69%
+12.8% YoY +4.0% QoQ
-0.30% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 68.51%
-3.7% YoY -4.3% QoQ
+4.03% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 4.78%
+16.0% YoY +79.2% QoQ
+3.86% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 2.7% in tier
Loan-to-Deposit Ratio ? 75.80%
+4.2% YoY +3.7% QoQ
-2.15% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 20.77%
+7.1% YoY +4.2% QoQ
-1.26% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 3.46%
+18.5% YoY +72.5% QoQ
+2.80% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 2.4% in tier
Tier 1 Capital Ratio ? 18.66%
-0.9% YoY -3.4% QoQ
+2.76% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.20%
-5.7% YoY +92.4% QoQ
-0.36% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
50%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 20.8%
+1.4pp YoY
+0.8pp QoQ
 -1.4pp 22.1% 20.1% 22.2% 48%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 14.7%
+1.7pp YoY
-0.1pp QoQ
 +3.1pp 11.6% 14.7% 12.5% 74%
CRE 8.2%
+0.5pp YoY
+0.3pp QoQ
 -31.3pp 39.5% 37.9% 41.4% 3%
1-4 Family 42.3%
-1.2pp YoY
-0.5pp QoQ
 +9.7pp 32.6% 28.3% 31.3% 74%
Consumer 2.3%
-0.6pp YoY
-0.2pp QoQ
 -1.8pp 4.1% 5.4% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 18.7%
-0.2pp YoY
-0.7pp QoQ
 -0.2pp 18.8% 19.9% 19.7% 73%
Leverage Ratio 12.0%
+0.4pp YoY
-0.1pp QoQ
 -0.2pp 12.2% 12.2% 12.6% 65%
Total Capital Ratio 19.9%
-0.2pp YoY
-0.7pp QoQ
 0.0pp 19.9% 20.9% 20.8% 73%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 51
+2 (+4.1%) YoY
-4 (-7.3%) QoQ
 -8 58 228 482 54%
Assets per Employee ($) $6.2M
-3.3% YoY
+7.9% QoQ
 -$1.3M $7.5M $8.3M $8.8M 38%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 2.2%
+1.1pp YoY
+2.1pp QoQ
 +1.9pp 0.3% 0.4% 0.4% 98%
Nonaccrual 2.6%
-0.4pp YoY
0.0pp QoQ
 +1.6pp 0.9% 1.1% 1.0% 92%
Allowance Coverage 0.47x
-0.7% YoY
-45.9% QoQ
 -23.69x 24.15x 5.62x 20.23x 9%
Net Charge-off Rate (YTD) 0.0%
-0.8pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 8.0%
+0.5pp YoY
+0.5pp QoQ
 -4.2pp 12.2% 10.5% 11.6% 26%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 31%
Net Income ($, YTD) $1.4M
+19.8% YoY
— QoQ
 -$1.2M $2.6M $11.7M $40.4M 38%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#170 of 529 • Bottom 32.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.86%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#461 of 936 • Bottom 49.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

445
Tier 1 Capital Ratio
capital
Value: 18.66%
Peer Median: 15.91%
#445 of 2643 Top 16.8% in $100M-$1B

Top Weaknesses (2 metrics)

2580
Nonperforming Asset Ratio
credit_quality
Value: 3.46%
Peer Median: 0.67%
#2580 of 2643 Bottom 2.4% in $100M-$1B
2562
Delinquency Rate
credit_quality
Value: 4.78%
Peer Median: 0.92%
#2562 of 2633 Bottom 2.7% in $100M-$1B
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