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
Unfavorable gap of $2.5M · efficiency ratio beats 8% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.94% | 1.46% | 1.76% | Beats 7% | 55 / 59 | |
| Return on Equity | 2.06% | 7.92% | 11.60% | 15.10% | Beats 7% | 55 / 59 | |
| Net Interest Margin | 3.37% | 3.66% | 4.24% | 4.75% | Beats 19% | 48 / 59 | |
| Efficiency Ratio | 88.06% | 51.87% | 60.25% | 70.24% | Beats 8% | 55 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.40% | 0.10% | 0.36% | 0.89% | Beats 5% | 56 / 58 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.05% | Beats 34% | 39 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 11.93% | 15.65% | 21.05% | Beats 8% | 54 / 59 | |
| Total Risk-Based Capital Ratio | 11.45% | 12.05% | 15.77% | 22.26% | Beats 17% | 49 / 59 | |
| Equity / Assets | 7.95% | 9.10% | 11.51% | 14.32% | Beats 8% | 54 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 86.76% | 59.62% | 72.81% | 85.44% | 78th pctl | 13 / 58 | |
| Loans / Assets | 77.04% | 49.55% | 64.39% | 73.73% | 81st pctl | 11 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |