Total Assets
$78M
Total balance-sheet footings
FDIC Cert #16609 · Rochelle, Georgia · Est. 1934
Rochelle State Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $78M
- Total assets
- D
- Health grade · Weak
- 0.12%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
Rochelle State Bank earns a PlainBankData health grade of D (45/100), with well-capitalized at 10.99% Tier 1, 0.12% ROA, 92% efficiency ratio.
- #3,921
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 10.99%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Rochelle State Bank's 45/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Rochelle State Bank's composite health score
Tier 1 Capital Ratio (10.99%) 28/40
Return on Assets (ROA) (0.12%) 7/25
Texas Ratio (16.11%) 10/20
Efficiency Ratio (92.37%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$71M
Customer-funded liabilities
Net Loans
$55M
Outstanding loan book
Net Income
$94K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Rochelle State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Rochelle State Bank's score of 45/100 falls in the highlighted band.
Rochelle State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Rochelle State Bank's $78M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.99%
Texas Ratio
16.11%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.12%
Return on Equity (ROE)
1.48%
Efficiency Ratio
92.37%
What the numbers say about Rochelle State Bank
Rochelle State Bank is an FDIC-insured institution (Certificate #16609) headquartered in Rochelle, Georgia, established in 1934. It holds $78M in total assets - 3,921st of 4,313 FDIC-insured banks, $71M in customer deposits, and $55M in net loans. Its capital position: a Tier 1 ratio of 10.99%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 16.11% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (45 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Rochelle State Bank is a community-scale institution -- 123rd of 129 FDIC-insured banks headquartered in Georgia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$153K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Rochelle State Bank reports a Texas Ratio of 16.11% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.11% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Rochelle State Bank
Rochelle State Bank's grade of D reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Rochelle State Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Rochelle State Bank (FDIC Cert #16609) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Rochelle State Bank's health grade?▼
Rochelle State Bank receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Rochelle State Bank?▼
Rochelle State Bank holds $78M in total assets and $71M in deposits, ranking 3,921st of 4,313 FDIC-insured banks by asset size. It is headquartered in Rochelle, Georgia.
Is my money safe at Rochelle State Bank?▼
Yes, deposits at Rochelle State Bank (Certificate #16609) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Rochelle State Bank's Tier 1 Capital Ratio?▼
Rochelle State Bank has a Tier 1 Capital Ratio of 10.99%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Rochelle State Bank?▼
Rochelle State Bank has a Texas Ratio of 16.11%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Rochelle State Bank?▼
Rochelle State Bank has an Efficiency Ratio of 92.37%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Rochelle State Bank's profile as a depositor or analyst.
- Rochelle State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Rochelle State Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.