Community State Bank of Rock Falls
Rock Falls, IL
IDRSSD: 875048
Total Assets
$314.55M
Latest filing
Total Deposits
$276.89M
Latest filing
Net Interest Margin
3.58%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Community State Bank of Rock Falls
1801 1st Ave
Rock Falls, IL 61071
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/24/1975FDIC Certificate 15247
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community State Bank of Rock Falls (Main) | 1801 1st Ave | Rock Falls, IL |
| FULTON BRANCH | 1310 17th St | Fulton, IL |
| DIXON BRANCH | 1021 N Galena Ave | Dixon, IL |
| STERLING IL BRANCH | 3210 E Lincolnway | Sterling, IL |
| MORRISON BRANCH | 220 E Main St | Morrison, IL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/24/1975 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61071 |
| State and County Number | 17195 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Sterling, IL |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/24/1975 |
| Primary Insurance Agency | DIF |
| Website | www.commstbk.com |
| Data Updated | 11/14/2025 |
| CERT | 21988 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $314.55M |
| Total Deposits | $276.89M |
| Total Liabilities | $281.12M |
| Total Equity Capital | $33.44M |
| Net Income | $583.00k |
| Net Loans and Leases | $206.29M |
| Assets Per Employee ($Millions) | $6.55M |
| Bank Premises and Fixed Assets | $5.34M |
| Cash and Balances due from Depository Institutions | $10.14M |
| Deposits Held in Domestic Offices | $276.89M |
Key Performance Ratios
| Return on Assets (ROA) | 0.74% |
| Return on Equity (ROE) | 7.18% |
| Net Interest Margin | 3.58% |
| Efficiency Ratio | 68.99% |
| Tier 1 Risk-Based Capital Ratio | 18.579% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.629% |
| Earning Assets to total Assets | 92.08% |
Income and Expense
| Total Interest Income | $3.75M |
| Total Noninterest Income | $365.00k |
| Total Interest Expense | $1.16M |
| Total Noninterest Expense | $2.04M |
| Net Interest Income | $2.59M |
| Pre-tax Net Operating Income | $767.00k |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $833.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.23M |
| All Other Liabilities | $2.00M |
| Total Liabilities and Capital | $314.55M |
Securities
| Securities | $79.44M |
| Available-for-sale debt securities | $79.44M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community State Bank of Rock Falls?
$314.55M as of the latest filing.
How much are Community State Bank of Rock Falls's total deposits?
$276.89M in total deposits.
Where is Community State Bank of Rock Falls located?
Rock Falls, IL.
What is the Net Interest Margin?
3.58%.
How many domestic offices does it operate?
5.
When was it established?
04/24/1975.
What is the Return on Assets (ROA)?
0.74%.
How much are total loans and leases?
$206.29M (latest filing).
What is the total interest income (latest filing)?
$3.75M.