Advertisement
Community State Bank Of Rock Falls
Rock Falls, IL · FDIC Certificate #21988 · Chartered 04/2
Total assets
$318.39M
Total deposits
$280.64M
Total equity
$34.43M
Net loans
$212.73M
Branches (offices)
5
Net income (YTD)
$1.36M
Rank: #2,381 of 4,213 U.S. banks by assets · #149 of 322 in Illinois. Assets changed 0.6% and deposits -0.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.86% |
| Return on equity | 8.01% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 10.81% |
| Tier 1 leverage ratio | 12.00% |
| Uninsured deposits (share of deposits) | 15.6% |
| Noncurrent loans (share of loans) | 4.67% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 75.8% |
| Real estate loans (share of loans) | 74.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $158.12M | 74.3% | |
| Commercial & industrial | $31.18M | 14.7% | |
| Consumer / individual | $4.98M | 2.3% | |
| Construction & development | $800.00K | 0.4% | |
| Agricultural | $22.80M | 10.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $322.75M | $297.65M | $1.29M | $24.04M |
| Jun 2023 | $324.13M | $296.19M | $1.43M | $25.32M |
| Jun 2024 | $325.00M | $293.53M | $1.06M | $28.01M |
| Jun 2025 | $316.48M | $280.95M | $1.14M | $31.51M |
| Jun 2026 | $318.39M | $280.64M | $1.36M | $34.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $280.64M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $280.64M.
Similar-sized banks
Alden State Bank ($318.43M) · Bank Of Yazoo City ($318.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement