ROCHELLE STATE BANK

ROCHELLE, GA | Micro | Est. Jan. 1, 1934, midnight | FDIC #16609 | RSSD #649632 | FDIC
Latest Report: 2025-12-31

ROCHELLE STATE BANK is amn micro FDIC-insured commercial bank headquartered in ROCHELLE, GA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $78M and total deposits of $71M. Profitability stands at 0.21% ROA and 2.48% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 10.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.12% and a Texas Ratio of 16.11%. FDIC Certificate #16609.

Assets

$78M

Deposits

$71M

Loans

$55M

Equity

$7M

Profitability

Return on Assets (ROA) 0.21%
Return on Equity (ROE) 2.48%
Net Interest Margin (NIM) 3.81%
Yield on Assets 6.68%
Cost of Funds 3.43%

Asset Quality

NPL Ratio 2.12%
Net Charge-Off Ratio 0.04%
Texas Ratio 16.11%
NPA Ratio 1.50%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 10.99%
Tier 1 Capital 10.99%
Total Capital Ratio 12.00%
Leverage Ratio 8.47%
Loan-to-Deposit 77.78%

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