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Community State Bank of Rock Falls

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Community State Bank of Rock Falls Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community State Bank of Rock Falls provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Community State Bank of Rock Falls rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Community State Bank of Rock Falls, and you can see how they compare in the Community State Bank of Rock Falls rate tables below. MonitorBankRates evaluates the financial stability of Community State Bank of Rock Falls with a 2.2 Star Rating, an F Overall Health Grade, and a Texas Ratio of 48.93%. Database rates last updated and verified on 08/30/2026.

Community State Bank of Rock Falls money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community State Bank of Rock Falls? Share your experience about Community State Bank of Rock Falls by leaving a review below, or read customer reviews before you decide to use Community State Bank of Rock Falls.

Overall Health & Safety Grade

High Risk Health Score: 47/100

MonitorBankRates Rating

2.2

Average Out of 5.0 Stars

Texas Ratio

48.93%

Fair Higher than avg

Community State Bank of Rock Falls

1801 1st Ave
Rock Falls, IL 61071

https://www.commstbk.com

Current Rate Availability

We're not currently displaying rates for Community State Bank of Rock Falls, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Community State Bank of Rock Falls is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Community State Bank of Rock Falls rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Community State Bank of Rock Falls's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Community State Bank of Rock Falls

Bank Holding Company COMMUNITY ILLINOIS CORP

Address 1801 1st Ave, Rock Falls, IL 61071 · Whiteside

Website https://www.commstbk.com

FDIC Certificate # 21988

Established 04/24/1975

FDIC Insurance Date 04/24/1975

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 47/100

2.2

Average Out of 5.0 Stars

48.93%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8625%

Return on Equity (ROE) 11.1100%

Non-Performing Loans (NPL) 3.73%

Total Assets $314,597,000

Total Deposits $276,267,000

Equity Capital $34,010,000

Net Income $2,125,000

Headquarters Rock Falls

Total Branches and Offices 5

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Community State Bank of Rock Falls

How many branches does Community State Bank of Rock Falls operate?

Community State Bank of Rock Falls currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Community State Bank of Rock Falls does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community State Bank of Rock Falls provides members with tools to manage their accounts and build a solid financial history.

Does Community State Bank of Rock Falls offer online and mobile banking?

Most modern institutions like Community State Bank of Rock Falls provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.commstbk.com.