| Metric | Rochelle State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +3.0% | +9.7 pts |
| Deposit growth (YoY) | +9.7% | +2.5% | +7.2 pts |
| Loan growth (YoY) | +13.8% | +2.6% | +11.2 pts |
| ROA | 0.17% | 0.99% | -0.8 pts |
| ROE | 2.1% | 8.1% | -6.0 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.6M | $76.0M | $65.3M | $6.8M | $70K | 0.17% | 3.73% | 2.62% |
| Q1 2026 | $83.3M | $76.3M | $59.0M | $6.7M | $27K | 0.13% | 3.60% | 2.23% |
| Q4 2025 | $78.1M | $71.1M | $54.7M | $6.7M | $94K | 0.12% | 3.55% | 1.50% |
| Q3 2025 | $78.4M | $69.0M | $59.0M | $6.5M | $53K | 0.09% | 3.48% | 1.32% |
| Q2 2025 | $76.0M | $69.3M | $57.4M | $6.4M | $32K | 0.08% | 3.37% | 1.13% |
| Q1 2025 | $75.4M | $68.9M | $54.4M | $6.2M | $10K | 0.05% | 3.15% | 1.12% |
| Q4 2024 | $77.8M | $66.4M | $52.0M | $5.9M | $-836K | -1.19% | 3.10% | 0.99% |
| Q3 2024 | $72.6M | $61.0M | $55.3M | $6.0M | $-819K | -1.59% | 3.23% | 0.75% |
Loan mix (Q2 2026): real estate $32.7M · commercial $14.2M · consumer $3.1M · securities $9.9M
| Ratio | Rochelle State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.99% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 8.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 70.8% | 81st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Rochelle State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Rochelle State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Rochelle State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Rochelle State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Rochelle State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $69.3M branch deposits. Biggest market: Wilcox, GA, ranked 1st with 59.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wilcox, GA | 1 | $69.3M | 59.08% | 1st |
Georgia: 205th with 0.02% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1