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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

6.20%Q2 ’246.28%Q2 ’255.94%Q2 ’26+14%+1%

Non-interest income vs. expense

3.46%Q2 ’243.26%Q2 ’253.08%Q2 ’26-1%-4%

Executive Summary

  • Earnings: ROA of 0.20%, up 9 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 3.40% of loans (+192 bps YoY), with net charge-offs at 0.13%.
  • 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 (quarter, annualized)

0.20%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+5 bps YoY

Efficiency Ratio (quarter, annualized)

84.27%-562 bps YoY

Tier 1 Leverage Ratio

8.02%-54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.11%0.21%0.13%0.20%+9 bps
Return on Equity1.40%1.30%2.48%1.61%2.54%+115 bps
Net Interest Margin3.46%3.54%3.53%3.36%3.51%+5 bps
Efficiency Ratio89.88%90.86%94.27%92.16%84.27%-562 bps
Non-Interest Burden3.07%3.17%3.32%3.08%2.94%-13 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%0.16%-0.01%0.13%+13 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