BlastPoint's Banking Scorecard

Rochelle State Bank

under $100M Specialty: Agricultural GA FDIC cert 16609

Designations: ✓ Community bank

Rochelle, GA

537 banks in the under $100M peer group nationally 13 in GA

Rochelle State Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 1.46% above tier average
- ROA 0.72% below tier average
- Net Interest Margin 0.27% below tier average
- Efficiency Ratio 4.53% above tier average
- Delinquency Rate 1.79% above tier average

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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	+$21.1M	$62.3M -0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.0% YoY	75%
Total Loans ?	$59.0M +8.4% YoY +7.8% QoQ	+$24.7M	$34.3M -1.5% YoY	$550.6M +10.4% YoY	$3.2B +10.7% YoY	Top 12.8% in tier
Total Deposits ?	$76.3M +10.8% YoY +7.4% QoQ	+$24.5M	$51.8M -0.6% YoY	$689.3M +8.9% YoY	$4.8B +8.0% YoY	84%
Return on Assets ?	0.13% +156.2% YoY +9.8% QoQ	-0.72%	0.86% -3.6% YoY	1.50% +0.6% YoY	1.24% +13.1% YoY	17%
Net Interest Margin ?	3.60% +14.0% YoY +1.3% QoQ	-0.27%	3.87% +2.7% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	92.16% -2.6% YoY -0.2% QoQ	+4.53%	87.63% +2.3% YoY	62.13% -1.5% YoY	66.84% -3.8% YoY	18%
Delinquency Rate ?	3.16% +102.7% YoY +47.2% QoQ	+1.79%	1.36% +33.7% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Bottom 11.8% in tier
Loan-to-Deposit Ratio ?	77.26% -2.2% YoY +0.4% QoQ	+13.15%	64.11% -0.9% YoY	71.10% +2.8% YoY	76.69% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	16.72% -32.5% YoY -1.2% QoQ	-7.07%	23.79% +0.5% YoY	26.76% -3.7% YoY	22.01% -1.1% YoY	29%
Nonperforming Asset Ratio ?	2.23% +98.8% YoY +48.7% QoQ	+1.46%	0.77% +28.7% YoY	0.56% +24.4% YoY	0.66% +19.3% YoY	Bottom 8.6% in tier
Tier 1 Capital Ratio ?	10.95% +3.1% YoY -0.3% QoQ	-15.82%	26.77% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Bottom 12.5% in tier
Non-Interest Income / Assets ?	0.04% -1.3% YoY -78.0% QoQ	-0.63%	0.67% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.0% YoY	36%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (3 metrics)

Total Loans

size

Value: $58.97M

Peer Median: $34.29M

#70 of 537 Top 12.8% in under $100M

Total Deposits

size

Value: $76.33M

Peer Median: $51.83M

#85 of 537 Top 15.6% in under $100M

135

Total Assets

size

Value: $83.34M

Peer Median: $62.28M

#135 of 537 Top 25.0% in under $100M

Top Weaknesses (5 metrics)

492

Nonperforming Asset Ratio

credit_quality

Value: 2.23%

Peer Median: 0.77%

#492 of 537 Bottom 8.6% in under $100M

457

Delinquency Rate

credit_quality

Value: 3.16%

Peer Median: 1.36%

#457 of 517 Bottom 11.8% in under $100M

471

Tier 1 Capital Ratio

capital

Value: 10.95%

Peer Median: 26.77%

#471 of 537 Bottom 12.5% in under $100M

445

Return on Assets

profitability

Value: 0.13%

Peer Median: 0.86%

#445 of 537 Bottom 17.3% in under $100M

442

Efficiency Ratio

profitability

Value: 92.16%

Peer Median: 87.63%

#442 of 537 Bottom 17.9% in under $100M