BlastPoint's Banking Scorecard
Rochelle State Bank
Designations: ✓ Community bank
Rochelle, GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits +9.7% year over year ($76.0M on the books).
- Delinquency rate 3.44%.
- Return on assets 0.17%.
- Efficiency ratio 88.06% vs a 119.40% peer average.
- Loan-to-deposit ratio 85.89% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Rochelle State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 31.33% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.96% above tier average
- - Nonperforming Asset Ratio 1.78% above tier average
- - ROA 0.83% below tier average
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.6M
+12.7% YoY
+2.8% QoQ
|
+$23.2M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$65.3M
+13.8% YoY
+10.8% QoQ
|
+$30.4M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Top 8.8% in tier |
| Total Deposits ? |
$76.0M
+9.7% YoY
-0.4% QoQ
|
+$24.4M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
85% |
| Return on Assets ? |
0.17%
+102.9% YoY
+27.0% QoQ
|
-0.83% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
15% |
| Net Interest Margin ? |
3.73%
+10.7% YoY
+3.8% QoQ
|
-0.18% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
88.06%
-4.4% YoY
-4.4% QoQ
|
-31.33% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
3.44%
+129.9% YoY
+8.9% QoQ
|
+1.96% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.7% in tier |
| Loan-to-Deposit Ratio ? |
85.89%
+3.8% YoY
+11.2% QoQ
|
+11.68% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
17.57%
+14.7% YoY
+5.1% QoQ
|
-5.91% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
2.62%
+132.2% YoY
+17.4% QoQ
|
+1.78% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.7% in tier |
| Tier 1 Capital Ratio ? |
10.38%
-0.2% YoY
-5.2% QoQ
|
-16.74% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.2% in tier |
| Non-Interest Income / Assets ? |
0.08%
-15.1% YoY
+78.4% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.6%
+2.3pp YoY +0.9pp QoQ |
-7.1pp | 24.6% | 26.2% | 22.2% | 27% |
| Brokered Deposits |
7.7%
-0.5pp YoY -0.3pp QoQ |
-2.0pp | 9.8% | 7.5% | 8.5% | 58% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.7%
+1.2pp YoY -2.4pp QoQ |
+8.3pp | 13.4% | 9.7% | 12.5% | 81% |
| CRE |
19.7%
+1.0pp QoQ |
-5.5pp | 25.2% | 48.9% | 41.4% | 48% |
| 1-4 Family |
10.5%
-0.1pp YoY -0.7pp QoQ |
-24.4pp | 35.0% | 31.7% | 31.3% | 22% |
| Consumer |
4.8%
+0.1pp YoY -0.3pp QoQ |
-2.9pp | 7.7% | 4.8% | 5.0% | 47% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.4%
0.0pp YoY -0.6pp QoQ |
-28.3pp | 38.7% | 20.9% | 19.7% | 2% |
| Leverage Ratio |
8.0%
-0.5pp YoY -0.2pp QoQ |
-9.7pp | 17.7% | 14.0% | 12.6% | 3% |
| Total Capital Ratio |
11.4%
+0.1pp YoY -0.6pp QoQ |
-28.2pp | 39.7% | 22.1% | 20.8% | 2% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
+2 (+20.0%) YoY 0 QoQ |
-0 | 12 | 98 | 482 | 56% |
| Assets per Employee ($) |
$7.1M
-6.1% YoY +2.8% QoQ |
+$949K | $6.2M | $7.5M | $8.8M | 68% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
3.4%
+1.9pp YoY +0.3pp QoQ |
+1.7pp | 1.7% | 0.8% | 1.0% | 89% |
| Allowance Coverage |
0.29x
-54.6% YoY -9.4% QoQ |
-6.12x | 6.41x | 38.10x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.1%
+1.0pp YoY +0.5pp QoQ |
-4.3pp | 6.4% | 13.6% | 11.6% | 19% |
| Cost of Funds (YTD) |
2.6%
-0.5pp YoY 0.0pp QoQ |
+1.2pp | 1.4% | 1.6% | 1.7% | 95% |
| Net Income ($, YTD) |
$70,000
+118.8% YoY — QoQ |
-$248K | $317,817 | $6.6M | $40.4M | 20% |
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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.