Rochelle State Bank (FDIC certificate #16609) is based in Rochelle, Georgia. Its Q2 2026 call report shows $85.6M in total assets and $76.0M in deposits and 1 office.
Based on its Q2 2026 filing, Rochelle State Bank scores 29/100, which we describe as low. That is higher than only 1% of 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 123rd. Its strongest component is funding & liquidity (70/100; 86% loans-to-deposits, 19% uninsured), and its lowest is loan quality (0/100; 3.40%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 18 points (47 → 29), mostly because the loan quality component weakened by 51 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 47 |
| Q4 2024 | 42 |
| Q1 2025 | 46 |
| Q2 2025 | 47 |
| Q3 2025 | 44 |
| Q4 2025 | 42 |
| Q1 2026 | 31 |
| Q2 2026 | 29 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.69% |
| Q3 2024 | 8.71% |
| Q4 2024 | 8.43% |
| Q1 2025 | 8.26% |
| Q2 2025 | 8.56% |
| Q3 2025 | 8.50% |
| Q4 2025 | 8.47% |
| Q1 2026 | 8.24% |
| Q2 2026 | 8.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 0.97% |
| Q4 2024 | 1.46% |
| Q1 2025 | 1.54% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.73% |
| Q4 2025 | 2.12% |
| Q1 2026 | 3.12% |
| Q2 2026 | 3.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.62% |
| Q3 2024 | -1.59% |
| Q4 2024 | -1.19% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 29 | $85.6M | 8.02% | 3.40% | 0.17% | 85.9% |
| Q1 2026 | 31 | $83.3M | 8.24% | 3.12% | 0.13% | 77.3% |
| Q4 2025 | 42 | $78.1M | 8.47% | 2.12% | 0.12% | 77.0% |
| Q3 2025 | 44 | $78.4M | 8.50% | 1.73% | 0.09% | 85.5% |
| Q2 2025 | 47 | $76.0M | 8.56% | 1.48% | 0.08% | 82.8% |
| Q1 2025 | 46 | $75.4M | 8.26% | 1.54% | 0.05% | 79.0% |
| Q4 2024 | 42 | $77.8M | 8.43% | 1.46% | -1.19% | 78.4% |
| Q3 2024 | 47 | $72.6M | 8.71% | 0.97% | -1.59% | 90.7% |
| Q2 2024 | 49 | $72.8M | 9.69% | 1.08% | -0.62% | 86.2% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| First State Bank of Randolph CountyBank Cuthbert, GA | 27 out of 100, Low | $86.9M | 8.3% | 4.53% | vs |
| The Four County BankBank Allentown, GA | 87 out of 100, Very strong | $87.1M | 13.8% | 0.68% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
| F & M Bank and Trust CompanyBank Manchester, GA | 69 out of 100, Moderate | $87.4M | 10.2% | 0.52% | vs |
| First Bank of PikeBank Zebulon, GA | 70 out of 100, Strong | $87.5M | 9.9% | 0.79% | vs |
Deposit insurance
Is my money safe at Rochelle State Bank?
Yes. Rochelle State Bank is an FDIC-insured institution (FDIC certificate #16609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.2% of deposits ($14.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.45% (benchmark: 10%).
1 location
Branches
Rochelle State Bank lists 1 office in 1 city. Most locations:
- Rochelle, GA (1)
Identity & history
Profile
- Legal name
- Rochelle State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16609
- RSSD ID
- 649632
- Primary regulator
- FDIC
- Holding company
- St Hldgs Inc
- Established
- January 1, 1934
- Headquarters
- 800 Ashley St, Rochelle, GA 31079
- Website
- www.rochellestatebank.com
- Employees
- 12
Quick answers
Rochelle State Bank: common questions
Is Rochelle State Bank FDIC insured?
Yes. Rochelle State Bank is an FDIC-insured institution (FDIC certificate #16609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Rochelle State Bank's TellerScore?
29 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Rochelle State Bank ever failed?
There is no failure record for FDIC certificate #16609 in the FDIC failed bank list.
How many branches does Rochelle State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rochelle
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| South Georgia Banking CompanyBank Omega, GA | 85 out of 100, Very strong | $570.1M | 13.9% | 0.55% | vs |
| Community Banking CompanyBank Fitzgerald, GA | 77 out of 100, Strong | $297.3M | 11.3% | 0.64% | vs |
| Great Oaks BankBank Richmond Hill, GA | 76 out of 100, Strong | $422.0M | 10.3% | 0.10% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |