Side-by-side · Q2 2026 data
1NB Bank vs Community State Bank of Rock Falls
Metric by metric
| Measure | 1NB Bank | Community State Bank of Rock Falls |
|---|---|---|
| TellerScore | 74 (stronger) | 49 |
| Capital cushion | 53 | 70 (stronger) |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 63 (stronger) | 54 |
| Funding & liquidity | 76 | 84 (stronger) |
| Problem-loan coverage | 99 (stronger) | 44 |
| Peer percentile | 57th | 6th |
| Total assets | $319.0M | $318.4M |
| Deposits / shares | $260.1M | $280.6M |
| Capital ratio | 10.29% | 12.00% (stronger) |
| Problem loans | 0.07% (stronger) | 4.67% |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 1.08% (stronger) | 0.86% |
| Loans ÷ deposits | 81.6% | 75.8% (stronger) |
| Uninsured deposits | 17.4% | 15.6% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.0% | — |
1NB Bank has the higher TellerScore (74 vs 49). On the 7 directional measures above (where higher or lower is clearly better), 1NB Bank leads on 4 and Community State Bank of Rock Falls on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.