BlastPoint's Banking Scorecard
Rochelle State Bank
Designations: ✓ Community bank
Rochelle, GA
Rochelle State Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.44% above tier average
- - ROA 0.70% below tier average
- - Net Interest Margin 0.26% below tier average
- - Efficiency Ratio 3.81% above tier average
- - Delinquency Rate 1.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.3M
+10.5% YoY
+6.7% QoQ
|
+$21.2M |
$62.2M
-0.6% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$59.0M
+8.4% YoY
+7.8% QoQ
|
+$24.7M |
$34.2M
-1.4% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Top 12.9% in tier |
| Total Deposits ? |
$76.3M
+10.8% YoY
+7.4% QoQ
|
+$24.6M |
$51.7M
-0.7% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
0.13%
+156.2% YoY
+9.8% QoQ
|
-0.70% |
0.84%
-2.3% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
3.60%
+14.0% YoY
+1.3% QoQ
|
-0.26% |
3.86%
+2.8% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
92.16%
-2.6% YoY
-0.2% QoQ
|
+3.81% |
88.34%
+0.3% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
3.16%
+102.7% YoY
+47.2% QoQ
|
+1.78% |
1.37%
+33.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.1% in tier |
| Loan-to-Deposit Ratio ? |
77.26%
-2.2% YoY
+0.4% QoQ
|
+13.04% |
64.22%
-0.7% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
16.72%
-32.5% YoY
-1.2% QoQ
|
-6.99% |
23.71%
+0.3% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
2.23%
+98.8% YoY
+48.7% QoQ
|
+1.44% |
0.79%
+28.2% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.9% in tier |
| Tier 1 Capital Ratio ? |
10.95%
+3.1% YoY
-0.3% QoQ
|
-15.73% |
26.68%
+2.0% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.6% in tier |
| Non-Interest Income / Assets ? |
0.04%
-1.3% YoY
-78.0% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
36% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.