Rochelle State Bank
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Data as of · sourced from FFIEC call reports. How we update
Rochelle State Bank is an FDIC-insured commercial bank headquartered in Rochelle, GA, established in 1934 (FDIC certificate 16609), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $85.6M, up 12.7% from Q2 2025, the 113th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 10.38% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16609
- Headquarters
- Rochelle, GA
- Established
- 1934
- Total assets, Q2 2026
- $85.6M
- Assets vs Q2 2025
- +12.7%
- CET1 ratio, Q2 2026
- 10.38%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061211281
- Latest call report
- Q2 2026, FFIEC 041 · Rochelle State Bank call report
- Holding company
- ST HLDGS, INC.
- Asset rank in state
- 113th of 121 in Georgia
Problem loans are rising at Rochelle State Bank. The Rochelle, Georgia bank had $86 million in assets at June 30, 2026, up 12.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.40% of loans from 1.48% a year earlier. It holds common equity equal to 10.38% of its risk-weighted assets, about half the median of 22.08% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 32.7% of the capital and reserves that would absorb them, 23.7 times the median of 1.4% for banks its size.
Earnings jumped: net income for the quarter was $43,000, 95% above the same quarter a year earlier. The commercial and industrial book ($14 million) is worsening: 6.80% of it is past due or on nonaccrual, up from 5.43% a year earlier. Funding is the softer spot: it pays an average of 2.53% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Rochelle State Bank reported a CET1 capital ratio of 10.38%, a return on assets of 0.20%, a nonperforming-loan ratio of 3.40% and a Texas ratio of 32.71%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Rochelle State Bank is the 113th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.8% to $85.6M, loans rose 10.7% and deposits fell 0.4%. Agricultural production loans made up 23.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 21.5%. The FDIC Summary of Deposits lists a single office for it, in Rochelle, GA. On its Q2 2026 call report, Rochelle State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 800 Ashley St, Rochelle, GA 31079
- County
- Wilcox
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $76.0M
- Allowance for credit losses
- $659K
- Net charge-offs (YTD)
- $21K
- Average total assets
- $84.2M
- Average total loans
- $63.6M
- Average interest-bearing deposits
- $66.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 1947
- FDIC Cert
- 16609
- Fed RSSD
- 649632
- Website
- www.rochellestatebank.com →
- Parent Holding Company
- ST HLDGS, INC. (RSSD 5481864)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Rochelle State Bank's total assets ran between $59.1M (Q3 2023) and $85.6M (Q2 2026), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$85.6M total assets against $76.0M; $78.8M total liabilities against $69.6M.
$65.3M net loans and leases against $57.4M; $76.0M total deposits against $69.3M.
$9.9M securities against $10.5M; $7.8M cash and balances due against $5.8M.
$1.2M total interest income against $1.2M; $511K total interest expense against $535K.
$739K net interest income against $646K.
$30K total noninterest income against $36K; $648K total noninterest expense against $613K.
$78K provision for credit losses against $47K.
$43K net income against $22K.
0.20% return on assets against 0.12%; 3.70% net interest margin against 3.60%.
10.38% CET1 capital ratio against 10.41%; 8.02% tier 1 leverage ratio against 8.56%.
Inside the full Rochelle State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Rochelle State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.38% (Q3 2024) to 0.21% (Q4 2025) and its net interest margin ran from 2.82% (Q4 2024) to 3.71% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.38% | 0.20% | 3.40% | 32.71% | 3.70% |
| Q1 2026 | 10.95% | 0.13% | 3.12% | 27.73% | 3.54% |
| Q4 2025 | 10.99% | 0.21% | 2.12% | 17.65% | 3.70% |
| Q3 2025 | 10.10% | 0.11% | 1.73% | 15.90% | 3.71% |
| Q2 2025 | 10.41% | 0.12% | 1.48% | 13.70% | 3.60% |
| Q1 2025 | 10.62% | 0.05% | 1.54% | 13.99% | 3.09% |
| Q4 2024 | 10.78% | -0.09% | 1.46% | 13.40% | 2.82% |
| Q3 2024 | 10.47% | -3.38% | 0.97% | 9.34% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rochelle State Bank (main office) | Rochelle , GA | 31079 | $76.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 158 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Rochelle State Bank
What are Rochelle State Bank's total assets?
As of the Q2 2026 filing, Rochelle State Bank reported total assets of $85.6 million in its FFIEC call report.
Where is Rochelle State Bank headquartered?
It is headquartered in Rochelle, GA, United States.
When was Rochelle State Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Rochelle State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rochelle State Bank?
Rochelle State Bank's primary federal regulator is the FDIC.
What is Rochelle State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.38% in its Q2 2026 call report, above regulatory requirements.
How many branches does Rochelle State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rochelle State Bank's Texas Ratio?
Its Texas Ratio is 32.71% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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