# ROCHELLE STATE BANK
ROCHELLE, GA · FDIC certificate 16609 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $85.6M | |
| Deposits | $76.0M | |
| Loans and leases | $66.0M | |
| Total equity | $6.8M | |
| Loans / deposits | 85.89% (p72 of band) | 73.59% |
| Liquid assets / assets | 20.75% (p24 of band) | |
| Uninsured deposits / deposits | 19.21% (p48 of band) | 19.81% |
| Brokered deposits | 6.88% | |
| Wholesale funding | 9.80% (p84 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.02% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -8.02% (p45 of band) | -6.57% |
| AOCI / equity | -0.63% (p39 of band) | |
| ROA (annualized) | 0.17% (p9 of band) | 1.17% |
| Net interest margin | 3.73% (p39 of band) | 3.93% |
| Efficiency ratio | 88.06% (p88 of band) | |
| Noncurrent loans | 3.40% (p94 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 29.35% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 75.38% (p89 of band) | |
| Auto loans | $1.9M (2.80% of loans; DQ 4.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 0 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling, expense ratio p90 | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling, expense ratio p90 |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 2 | assets shrinking |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity, assets shrinking |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2016-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 3 |  | uninsured deposits leaving |
| 2017-12 | 2 | uninsured deposits leaving | charge-offs p90, assets shrinking |
| 2018-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2019-09 | 1 | losing money | deposits shrinking |
| 2019-12 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 5 | expense ratio p90, NIM <2.5% | losing money |
| 2020-06 | 4 |  | capital falling |
| 2020-09 | 4 | losing money, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2020-12 | 3 |  | losing money |
| 2021-03 | 5 | losing money, noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2021-06 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2021-09 | 4 | reserve under noncurrent |  |
| 2021-12 | 5 | capital falling |  |
| 2022-03 | 6 | noncurrent p90 |  |
| 2022-06 | 3 |  | NIM <2.5%, reserve under noncurrent, noncurrent p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | reserve under noncurrent |  |
| 2023-12 | 4 | charge-offs p90 | reserve under noncurrent |
| 2024-03 | 4 | reserve under noncurrent | charge-offs p90 |
| 2024-06 | 5 | wholesale funding >15% |  |
| 2024-09 | 5 | charge-offs p90 | wholesale funding >15% |
| 2024-12 | 5 |  |  |
| 2025-03 | 2 |  | expense ratio p90, losing money, charge-offs p90 |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 3 | noncurrent p90 |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-09-09 [Georgia bank’s new owners eye a digital makeover without losing the personal touch - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZkJLZ2NxUWREMFROZ0tKb01RVUdqT2RNVWU1dUpWR3Z0Z0dRQzItTDMxc3p1NUhDdElwS0MtbThDeXhHOExqdThIdkZvMWstWV85U3QtUDQ0aVdkaW5qVVNwZmZEVzBubVlqTlprWFVocGxwMkVHYmY1MWxSWnlEbnl6ZjZwTmpEMDU0VUhyQ0pNZk1pb0o5RGZHb1pLc2J2S0IxUnNB?oc=5) · Banking Dive
- 2021-09-13 [Rural Georgia bank primed for growth under new ownership - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWlFaMmN5ZGtmbTI2YTJOeWFSQ1pFalhnMW5DU2xkLW9PbEM0UEJqQm1hRDJRdVg1NE5GVHlwWmU1MUF4Sk9KYUJnVk5ndzM2ZlZ0eXg3QU9paUwwZk9qdzRUWGhoU09uQy0wYVlYcFlfMzRpU3ZZbXpQeHJkV01QWU52anh3amVvSXJxTE4zQ3JMMTBvUk5r?oc=5) · American Banker
- 2021-09-08 [ST Hldgs buys Rochelle State Bank to bolster southern Georgia presence - Retail Banker International](https://news.google.com/rss/articles/CBMivwFBVV95cUxNSFFpQ2p6cHp4WUpJRllnWGxJTWFCUERIRVRqTW53bE1PQ0FxejZqX2hHSUt4a3dTb1NPMVVqX1QyQk95S1pyMUpXX2FNQWFHM1hhYUhRM1RERy1PcDVtS3NHMjlzVDkteHRyQzlScmVoUF82ZTQtT2Z4RGFFblNWaHB0YVl1U1dqaVBTQW9IWDlQSGJCSDFlbUM0cUFYWU1IbHdMcmo3UlV1M1FVSzRzaFVuc1pDdV9xSmQ0Q0djZw?oc=5) · Retail Banker International
- 2025-10-07 [Nancy Morris King Obituary (2025) - Helena, GA - Lowes Funeral Home - McRae-Helena - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5JOTlPMDdNZG9JenJBVG9qYjl6LXg5MkE2YVFPQnFDbk5fS0dURVBGQVE3WXg2UWdOcHk0NFhfZmpRVF92Z042dkQ3UzhXanFiMnNadm5CT2ZYT0JIOF9GRG9sNEw3a3ZTc0c5N2QweUdoeVN6S01QUVppLTdXZw?oc=5) · legacy.com
- 2010-02-19 [Community in shock over Wilcox County wreck - WALB](https://news.google.com/rss/articles/CBMihwFBVV95cUxOb2xSeFl3R1JLd3pLVUtHak5WVFhnUDFTeE8tY21RM0dBVzBrdUJWbDZkX2hIaC1kUXh0NlJfcEJLejE2Y0J2MEdNZDFVVnBWRUlJT0tIbEhUUERVdXRmQllzZ1hOTHhCcjZ2aXZkX3FFNF9ETDRvVjFGNzZNUWpnRXVyNTdiLU3SAZoBQVVfeXFMUEZYX0dPeHlJdmZHcE5mTmhtUEsycUo3S2VMMllWM2V4ZE4xak4xb2ZseU1veW1ZdllHN0Zrd0F6cnJfQm9iaXp0Qi1JdmFoU3pVTW1wTlNaai1sUElmWW8wY0tWUXNsRUVZUEVCWHZQcUV5cUphNzE0VENlbDlGcV9NN3c3cUlNT1hXUFNyTFB4anFjazQ2ZmVoUQ?oc=5) · WALB
- 2019-10-16 [Jack Chastain Obituary (1941 - 2019) - Thomasville, GA - Atlanta Journal-Constitution - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQkpYSTc2NUJiSUl1UW11ZTJBc2F6TG5HckVhYU1PN25pdUw1MTRRUnNYb1JIZWJKeTlZb3ljcVByU1l2cVI0ZzcyS3puMkVWUnlHeGcwNzRSalBSV2VqNl9IWkNNREtLYzJKNzNtc0ItR2tWYUlwZGZ2cEV3Nkt6ZXZvVVlFSHJ6LXJVNQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16609 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "16609", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide