BlastPoint's Banking Scorecard
Rochelle State Bank
Micro
Specialty: Agricultural
GA
FDIC cert 16609
Designations: ✓ Community bank
Rochelle, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Rochelle State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.96% below tier
- - Efficiency Ratio 24.64% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.1M
+0.4% YoY
-0.4% QoQ
|
-$139.4M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$54.7M
+5.2% YoY
-7.3% QoQ
|
-$84.5M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$71.1M
+7.1% YoY
+3.0% QoQ
|
-$112.6M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.12%
+110.3% YoY
+32.6% QoQ
|
-0.96% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.55%
+14.6% YoY
+2.0% QoQ
|
-0.30% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
92.37%
-14.1% YoY
+0.8% QoQ
|
+24.64% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
2.14%
+45.2% YoY
+22.6% QoQ
|
+1.50% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
76.98%
-1.8% YoY
-9.9% QoQ
|
+2.45% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
16.93%
-32.9% YoY
-3.0% QoQ
|
-5.47% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.50%
+52.2% YoY
+14.2% QoQ
|
+1.05% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
10.99%
+2.0% YoY
+8.8% QoQ
|
+2.14% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.20%
-16.2% YoY
+45.0% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.37%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
55
55th pctile
Tier 1 Capital Ratio
Current: 10.99% · Tier avg: 8.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 76.98% · Tier avg: 74.53%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.93% · Tier avg: 22.39%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
22
22th pctile
Total Loans
Current: $54.7M · Tier avg: $139.2M
18
18th pctile
Total Deposits
Current: $71.1M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $78.1M · Tier avg: $217.5M
12
12th pctile
Delinquency Rate
Current: 2.14% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.50% · Tier avg: 0.45%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 92.37% · Tier avg: 67.73%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 92.37% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.50% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.14% · Tier avg: 0.64%
15
15th pctile
Total Assets
Current: $78.1M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.1M · Tier avg: $183.7M
22
22th pctile
Total Loans
Current: $54.7M · Tier avg: $139.2M
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.93% · Tier avg: 22.39%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 76.98% · Tier avg: 74.53%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.99% · Tier avg: 8.85%