Rochelle State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 8.71 percentage points in Q2 2026, from 78.05% to 86.76%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Rochelle State Bank is 5th from the bottom among 121 Georgia banks, 0.20% (Q2 2026). Against a median of 1.00% for banks in the < $100M asset tier, Rochelle State Bank reported 0.20% on return on assets in Q2 2026, 0.80 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.38% |
| Tier 1 risk-based capital ratio | 10.38% |
| Total risk-based capital ratio | 11.45% |
| Tier 1 leverage ratio | 8.02% |
| Equity capital to assets | 7.95% |
| Tangible equity to tangible assets | 7.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.40% |
| Non-performing assets ratio | 2.62% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 32.71% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 29.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.20% |
| Return on equity | 2.54% |
| Net interest margin | 3.70% |
| Efficiency ratio | 84.27% |
| Yield on earning assets | 6.26% |
| Cost of funds | 2.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.76% |
| Core deposits to total deposits | 79.22% |
| Brokered deposits to total deposits | 7.75% |
| Deposits to assets | 88.80% |
| Securities to assets | 11.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.10% | 18.10% | 18.88% | 14.96% | -1.25% |
| Q4 2023 | 14.71% | 14.71% | 15.55% | 11.84% | -12.44% |
| Q1 2024 | 12.84% | 12.84% | 13.65% | 10.76% | -0.65% |
| Q2 2024 | 11.80% | 11.80% | 12.71% | 9.69% | -0.58% |
| Q3 2024 | 10.47% | 10.47% | 11.36% | 8.71% | -3.38% |
| Q4 2024 | 10.78% | 10.78% | 11.63% | 8.43% | -0.09% |
| Q1 2025 | 10.62% | 10.62% | 11.51% | 8.26% | 0.05% |
| Q2 2025 | 10.41% | 10.41% | 11.35% | 8.56% | 0.12% |
| Q3 2025 | 10.10% | 10.10% | 11.07% | 8.50% | 0.11% |
| Q4 2025 | 10.99% | 10.99% | 12.00% | 8.47% | 0.21% |
| Q1 2026 | 10.95% | 10.95% | 12.00% | 8.24% | 0.13% |
| Q2 2026 | 10.38% | 10.38% | 11.45% | 8.02% | 0.20% |
Rochelle State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rochelle State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Rochelle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16609) · FFIEC NIC profile (RSSD 649632)