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Rochelle State Bank

Rochelle, GA · Cert 16609 · St Hldgs Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

8

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rochelle State Bank

Rochelle, GA · Cert 16609 · St Hldgs Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$85.6MAssets
$66.0MLoans
$76.0MDeposits
$6.8MEquity
Loan mix
63%RE $28.8M31%C&I $14.2M6%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $62.7M18%Noninterest $13.4MQ2 2025Q2 2026

NIM

5.83%Q2 ’246.25%Q2 ’255.75%Q2 ’26+14%+2%

Non-interest income vs. expense

3.41%Q2 ’243.17%Q2 ’253.10%Q2 ’26-6%-1%

Executive Summary

  • Earnings: ROA of 0.17%, up 9 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 3.40% of loans (+192 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.02%, down 54 bps from a year ago.
  • Funding: loans stand at 86.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.17%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+8 bps YoY

Efficiency Ratio (YTD, annualized)

88.06%-405 bps YoY

Tier 1 Leverage Ratio

8.02%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.09%0.12%0.13%0.17%+9 bps
Return on Equity1.04%1.13%1.48%1.61%2.08%+104 bps
Net Interest Margin3.28%3.33%3.33%3.36%3.37%+8 bps
Efficiency Ratio92.12%91.67%92.37%92.16%88.06%-405 bps
Non-Interest Burden2.98%3.01%3.06%3.08%2.94%-4 bps
Growth
Asset Growth (YoY)4.47%8.10%0.38%10.53%12.67%+821 bps
Loan Growth (YoY)10.03%6.80%5.31%8.48%13.86%+384 bps
Deposit Growth (YoY)14.60%13.18%7.10%10.84%9.70%-490 bps
Asset Quality
Nonperforming Loans / Loans1.48%1.73%2.12%3.12%3.40%+192 bps
Net Charge-Offs / Loans0.00%0.00%0.04%-0.01%0.06%+7 bps
Allowance / Loans0.96%1.00%1.04%1.01%1.00%+4 bps
Allowance Coverage of NPLs0.6x0.6x0.5x0.3x0.3x-0.4x
Capital
Tier 1 Leverage Ratio8.56%8.50%8.47%8.24%8.02%-54 bps
Total Risk-Based Capital11.35%11.07%12.00%12.00%11.45%+10 bps
Equity / Assets8.38%8.34%8.59%8.07%7.95%-44 bps
Liquidity & Funding
Loans / Deposits83.59%86.33%77.78%78.05%86.76%+317 bps
Liquid Assets / Assets4.36%4.50%10.10%10.44%2.03%-233 bps
CRE / Total Capitaln/a172.61%159.39%166.39%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Rochelle State Bank

Rochelle, GA · Cert 16609 · Peer group: banks under $1B in assets in GA (n=58-59) · St Hldgs Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$85.6MAssets
$66.0MLoans
$76.0MDeposits
$6.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 34% of banks under $1B in assets in GA (rank 39 of 58).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in GA (rank 56 of 58).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.16%

Rank 55 of 59

Net Interest Margin

3.37%

Rank 48 of 59

Efficiency Ratio

88.06%

Rank 55 of 59

Equity / Assets

7.95%

Rank 54 of 59

Non-interest income vs. expense

$0.1M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 8% of banks under $1B in assets in GA
Bank 88.06%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.16%0.94%1.46%1.76%Beats 7%55 / 59
Return on Equity2.06%7.92%11.60%15.10%Beats 7%55 / 59
Net Interest Margin3.37%3.66%4.24%4.75%Beats 19%48 / 59
Efficiency Ratio88.06%51.87%60.25%70.24%Beats 8%55 / 59
Asset Quality
Nonperforming Loans / Loans3.40%0.10%0.36%0.89%Beats 5%56 / 58
Net Charge-Offs / Loans0.04%0.00%0.02%0.05%Beats 34%39 / 58
Capital
Tier 1 Capital Ratio10.38%11.93%15.65%21.05%Beats 8%54 / 59
Total Risk-Based Capital Ratio11.45%12.05%15.77%22.26%Beats 17%49 / 59
Equity / Assets7.95%9.10%11.51%14.32%Beats 8%54 / 59
Liquidity & Funding
Loans / Deposits86.76%59.62%72.81%85.44%78th pctl13 / 58
Loans / Assets77.04%49.55%64.39%73.73%81st pctl11 / 59
Brokered Deposits / Depositsn/aNot reported for this institution