Total Assets
$315M
Total balance-sheet footings
FDIC Cert #21988 · Rock Falls, Illinois · Est. 1975
Community State Bank of Rock Falls - FDIC Bank Health Profile
A community-scale look at Community State Bank of Rock Falls's own numbers, pulled straight from its quarterly FDIC Call Report.
- $315M
- Total assets
- B
- Health grade · Good
- 0.67%
- Return on assets
- 19.0%
- Tier 1 capital
Data updated July 2026
The verdict
Community State Bank of Rock Falls earns a PlainBankData health grade of B (74/100), with well-capitalized at 18.99% Tier 1, 0.67% ROA, 71% efficiency ratio.
- #2,423
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 18.99%
- Tier 1 ratio - above the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community State Bank of Rock Falls's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community State Bank of Rock Falls's composite health score
Tier 1 Capital Ratio (18.99%) 40/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (13.46%) 16/20
Efficiency Ratio (70.60%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$276M
Customer-funded liabilities
Net Loans
$206M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community State Bank of Rock Falls ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community State Bank of Rock Falls's score of 74/100 falls in the highlighted band.
Community State Bank of Rock Falls's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community State Bank of Rock Falls's $315M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.99%
Texas Ratio
13.46%
Equity Capital
$34M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
6.71%
Efficiency Ratio
70.60%
What the numbers say about Community State Bank of Rock Falls
Community State Bank of Rock Falls is an FDIC-insured institution (Certificate #21988) headquartered in Rock Falls, Illinois, established in 1975. It holds $315M in total assets - 2,423rd of 4,313 FDIC-insured banks, $276M in customer deposits, and $206M in net loans. Capital-wise, the Tier 1 ratio sits at 18.99%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 13.46%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Community State Bank of Rock Falls sits 151st of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$15M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community State Bank of Rock Falls reports a Texas Ratio of 13.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community State Bank of Rock Falls (FDIC Cert #21988) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Community State Bank of Rock Falls's health grade?▼
Community State Bank of Rock Falls receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community State Bank of Rock Falls?▼
Community State Bank of Rock Falls holds $315M in total assets and $276M in deposits, ranking 2,423rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Rock Falls, Illinois.
Is my money safe at Community State Bank of Rock Falls?▼
Yes, deposits at Community State Bank of Rock Falls (Certificate #21988) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community State Bank of Rock Falls's Tier 1 Capital Ratio?▼
Community State Bank of Rock Falls has a Tier 1 Capital Ratio of 18.99%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Community State Bank of Rock Falls?▼
Community State Bank of Rock Falls has a Texas Ratio of 13.46%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community State Bank of Rock Falls?▼
Community State Bank of Rock Falls has an Efficiency Ratio of 70.60%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community State Bank of Rock Falls's profile as a depositor or analyst.
- Community State Bank of Rock Falls's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community State Bank of Rock Falls against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.