Visbanking Logo
Skip to main content

Community State Bank Of Rock Falls

IDRSSD: 875048
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q4QoQ +5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #875048 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.53% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +9

The five pillars

Liquidity

StrongQoQ +3
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.7%, cash 4.7% of assets.

Cash / Assets
4.71%
Loans / Deposits
74.70%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.43%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.99%, CET1 18.99%, leverage 11.95%.

Tier 1 RBC
18.99%
CET1
18.99%
Leverage
11.95%
No watch items at this period.

Asset Quality

StableQoQ +11
70
Sub-score

Asset quality is stable: Adjusted NPL 2.53%, Texas Ratio 12.1%, NCO YTD 0.10%.

Adjusted NPL
2.53%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
0.10%
30-89 PD
2.30%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.53% (govt-guarantees stripped).

Reserves

WatchQoQ +9
56
Sub-score

Reserves are deteriorating: ALLL 2.24% of loans, coverage 90.8%, true coverage 57.7%.

ALLL / Loans
2.24%
Coverage
90.8%
True Loss Coverage
57.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 23:14:13 UTC