Rochelle State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rochelle State Bank of Rochelle, GA against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.20% | 0.85% | -0.65% | 15th bottom |
| ROAE | 2.54% | 5.23% | -2.69% | 19th bottom |
| Net Interest Margin | 3.70% | 3.94% | -0.24% | 40th below |
| Efficiency Ratio | 84.27% | 74.96% | +9.31% | 22nd bottom |
| PPNR / Avg Assets | 0.57% | — | — | 20th bottom |
| Yield on Earning Assets | 6.26% | 5.42% | +0.84% | 83rd top |
| Cost of Funds | 2.53% | 1.69% | +0.84% | 15th bottom |
| Net Interest Spread | 3.08% | — | — | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.40% | 1.34% | +2.06% | 9th bottom |
| NPA / Total Assets | 2.62% | — | — | 6th bottom |
| NCO / Avg Loans | 0.14% | 0.11% | +0.03% | 13th bottom |
| ACL / Total Loans | 1.00% | — | — | 28th below |
| ACL / NPLs (Coverage) | 29.35% | — | — | 7th bottom |
| Texas Ratio | 32.71% | 7.23% | +25.48% | 3rd bottom |
| Provision / NCO | 509.52% | — | — | 90th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.38% | 25.12% | -14.74% | 3rd bottom |
| Tier 1 Ratio | 10.38% | 25.12% | -14.74% | 3rd bottom |
| Total Capital Ratio | 11.45% | — | — | 3rd bottom |
| Leverage Ratio | 8.02% | 14.13% | -6.11% | 3rd bottom |
| Equity / Assets | 7.95% | 13.07% | -5.12% | 7th bottom |
| TCE / Tangible Assets | 7.30% | — | — | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.76% | 68.58% | +18.18% | 21st bottom |
| Core Deposit Ratio | 79.22% | 88.79% | -9.57% | 11th bottom |
| Wholesale Funding Ratio | 2.92% | — | — | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.67% | — | — | 90th top |
| Loan Growth (Y/Y) | 13.86% | — | — | 85th top |
| Deposit Growth (Y/Y) | 9.70% | — | — | 83rd top |
See Rochelle State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rochelle State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Rochelle State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Rochelle State Bank peer analysis.