Rochelle State Bank: how it compares with its peers
Against 27 GA banks with half to twice its assets, Rochelle State Bank's strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $4.9M peer median). Its weakest relative measure is return on assets (0.17% vs. 1.38%).
| Measure | Rochelle State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.17% | 1.38% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.73% | 4.40% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.06% | 68.66% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $4.9M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.89% | 64.92% | Context |
What it means for lending operations
Its efficiency ratio of 88.06% is above the 68.66% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Hancock County Sparta, GA · $85M
- First State Bank of Randolph County Cuthbert, GA · $87M
- The Four County Bank Allentown, GA · $87M
- The Bank of Edison Edison, GA · $84M
- F & M Bank and Trust Company Manchester, GA · $87M
- First Bank of Pike Zebulon, GA · $87M
Questions about Rochelle State Bank
How big is Rochelle State Bank?
Rochelle State Bank, established in 1934, is headquartered in Rochelle, GA. It reported $86M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Rochelle State Bank's return on assets?
0.17% annualized in Q2 2026, against a 1.38% median for 27 GA banks with half to twice its assets, ahead of 7% of them.
What is Rochelle State Bank's efficiency ratio?
88.06% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 68.66%, and lower is better.
Is Rochelle State Bank growing its loans?
Net loans grew 13.8% over the year to Q2 2026, while deposits grew 9.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.