BlastPoint's Banking Scorecard
Community State Bank of Rock Falls
Micro
Specialty: Agricultural
IL
FDIC cert 21988
Designations: ✓ Community bank
Rock Falls, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Community State Bank of Rock Falls faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.89% above tier
- - Nonperforming Asset Ratio 1.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$314.6M
-3.0% YoY
+0.0% QoQ
|
+$97.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$206.4M
+1.3% YoY
+0.0% QoQ
|
+$67.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$276.3M
-5.4% YoY
-0.2% QoQ
|
+$92.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.67%
+5.0% YoY
-7.2% QoQ
|
-0.42% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.40%
+13.6% YoY
+1.1% QoQ
|
-0.45% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
70.60%
-3.4% YoY
+0.3% QoQ
|
+2.88% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
2.53%
-22.0% YoY
-32.8% QoQ
|
+1.89% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
74.70%
+7.1% YoY
+0.3% QoQ
|
+0.18% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
18.92%
-3.1% YoY
-1.9% QoQ
|
-3.47% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
1.94%
-4.8% YoY
-29.0% QoQ
|
+1.49% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
18.99%
+4.8% YoY
+2.2% QoQ
|
+10.13% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.44%
+9.7% YoY
+32.7% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.53%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.94%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Tier 1 Capital Ratio
Current: 18.99% · Tier avg: 8.85%
77
77th pctile
Total Deposits
Current: $276.3M · Tier avg: $183.7M
76
76th pctile
Total Loans
Current: $206.4M · Tier avg: $139.2M
75
75th pctile
Total Assets
Current: $314.6M · Tier avg: $217.5M
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.70% · Tier avg: 74.53%
39
39th pctile
Efficiency Ratio
Current: 70.60% · Tier avg: 67.73%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.92% · Tier avg: 22.39%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
9
9th pctile
Delinquency Rate
Current: 2.53% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.94% · Tier avg: 0.45%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.94% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.53% · Tier avg: 0.64%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.92% · Tier avg: 22.39%
39
39th pctile
Efficiency Ratio
Current: 70.60% · Tier avg: 67.73%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.70% · Tier avg: 74.53%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
75
75th pctile
Total Assets
Current: $314.6M · Tier avg: $217.5M
76
76th pctile
Total Loans
Current: $206.4M · Tier avg: $139.2M
77
77th pctile
Total Deposits
Current: $276.3M · Tier avg: $183.7M
84
84th pctile
Tier 1 Capital Ratio
Current: 18.99% · Tier avg: 8.85%