Community State Bank of Rock Falls: how it compares with its peers
Against 137 IL banks with half to twice its assets, Community State Bank of Rock Falls's strongest measure in Q2 2026 is net interest margin (3.69% vs. a 3.70% peer median). Its weakest relative measure is return on assets (0.86% vs. 1.15%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.86% | 1.15% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.69% | 3.70% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.51% | 64.64% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.8M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.80% | 74.62% | Context |
What it means for lending operations
Its efficiency ratio of 68.51% is above the 64.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- 1NB Bank Carlyle, IL · $319M
- Longview Community Bank Mount Pulaski, IL · $317M
- Forest Park National Bank and Trust Company Forest Park, IL · $322M
- State Bank of Graymont Graymont, IL · $313M
- The First National Bank in Amboy Amboy, IL · $325M
- Community Bank Winslow, IL · $311M
Questions about Community State Bank of Rock Falls
How big is Community State Bank of Rock Falls?
Community State Bank of Rock Falls, established in 1975, is headquartered in Rock Falls, IL. It reported $318M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Community State Bank of Rock Falls's return on assets?
0.86% annualized in Q2 2026, against a 1.15% median for 137 IL banks with half to twice its assets, ahead of 31% of them.
What is Community State Bank of Rock Falls's efficiency ratio?
68.51% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is Community State Bank of Rock Falls growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits shrank 0.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.