Bank Comparison
Rochelle State Bank vs First State Bank of Michigan
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Rochelle State Bank | First State Bank of Michigan |
|---|---|---|
| CET1 Ratio | 10.95% | — |
| Tier 1 Capital Ratio | 10.95% | — |
| Total Capital Ratio | 12.00% | — |
| Tier 1 Leverage Ratio | 8.24% | 14.74% |
| Equity / Assets | 8.07% | 18.20% |
Profitability
| Metric | Rochelle State Bank | First State Bank of Michigan |
|---|---|---|
| Return on Assets (ROA) | 0.13% | -1.35% |
| Return on Equity (ROE) | 1.61% | -7.23% |
| Net Interest Margin (NIM) | 3.54% | 3.59% |
| Yield on Earning Assets | 6.11% | 5.61% |
| Cost of Funds | 2.67% | 2.35% |
Asset quality
| Metric | Rochelle State Bank | First State Bank of Michigan |
|---|---|---|
| Texas Ratio | 27.73% | 4.61% |
| Non-Performing Loan Ratio | 3.12% | 1.09% |
| Non-Performing Asset Ratio | 2.23% | 0.67% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.01% | 1.19% |
Balance sheet
| Metric | Rochelle State Bank | First State Bank of Michigan |
|---|---|---|
| Total Assets | $83,344K | $83,176K |
| Total Deposits | $76,333K | $66,791K |
| Total Loans | $59,576K | $51,264K |
| Total Equity | $6,726K | $15,142K |
| Net Income (quarter) | $27 | $-277 |
Liquidity & funding
| Metric | Rochelle State Bank | First State Bank of Michigan |
|---|---|---|
| Loan-to-Deposit Ratio | 78.05% | 76.75% |
| Core Deposit Ratio | 86.77% | 95.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Rochelle State Bank | First State Bank of Michigan |
|---|---|---|
| Headquarters City | ROCHELLE | DECATUR |
| Headquarters State | GA | MI |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 12 | 22 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1870, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Rochelle State Bank profile | View full First State Bank of Michigan profile | Browse all bank comparisons