Rochelle State Bank
Rochelle, Georgia · FDIC Cert #16609
Rochelle State Bank is an FDIC-insured bank (Certificate #16609) with $73M in total assets and $60M in total deposits as of the Q2 2024 Call Report. Headquartered in Rochelle, Georgia, the bank maintains a Tier 1 capital ratio of 11.80% (Well-Capitalized) and a nonperforming loan ratio of 1.08%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Rochelle State Bank (FDIC cert 16609) is a community bank — $73M in total assets, $60M in deposits, serving the Rochelle, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.80% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.08% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 25.0% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is negative: ROA of -0.62% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Rochelle State Bank carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Rochelle State Bank
- Total Assets
- $73M
- Total Deposits
- $60M
- Tier 1 Capital Ratio
- 11.80%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.08%
- Liquidity Ratio
- 24.98%
- Return on Assets
- -0.62%
- Headquarters
- Rochelle, Georgia
- FDIC Certificate
- #16609
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Rochelle State Bank holds a Tier 1 capital ratio of 11.80%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Rochelle State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Rochelle State Bank shows strong financial health indicators. With $73M in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Rochelle State Bank Compares
Rochelle State Bank’s Health Score of 70 is 6 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 11.80% Tier 1 capital ratio is 2.2 points below the US banking industry average near 14%. The 1.08% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.62% is below the national ROA benchmark of ~1.1%. Among 828 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort.
Frequently Asked Questions
Rochelle State Bank has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.80%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Rochelle State Bank's Tier 1 capital ratio of 11.80% and nonperforming loan ratio of 1.08% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Rochelle State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16609). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Rochelle State Bank holds $73M in total assets and $60M in total deposits. It is headquartered in Rochelle, Georgia (FDIC Certificate #16609).
Rochelle State Bank has a Tier 1 capital ratio of 11.80%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.08%, and the return on assets is -0.62%.
Yes. Rochelle State Bank is FDIC-insured (Certificate #16609). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Rochelle State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.