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Rochelle State Bank

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Rochelle State Bank Rates & Review September 2026

Q: How many branches does Rochelle State Bank operate?

Rochelle State Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Rochelle State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rochelle State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Rochelle State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Rochelle State Bank, and you can see how they compare in the Rochelle State Bank rate tables below. MonitorBankRates evaluates the financial stability of Rochelle State Bank with a 3.5 Star Rating, an D Overall Health Grade, and a Texas Ratio of 32.98%. Database rates last updated and verified on 09/23/2026.

Rochelle State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Rochelle State Bank? Share your experience about Rochelle State Bank by leaving a review below, or read customer reviews before you decide to use Rochelle State Bank.

Overall Health & Safety Grade

Weak Health Score: 69/100

MonitorBankRates Rating

3.5

Very Good Out of 5.0 Stars

Texas Ratio

32.98%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Rochelle State Bank

800 Ashley St
Rochelle, GA 31079

https://rochellebank.com/

Current Rate Availability

We're not currently displaying rates for Rochelle State Bank, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Rochelle State Bank’s Texas Ratio rose from 4.80% in Q3 2023 to 32.98% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.5 and its Health Grade from A+ to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$86M	32.98%	3.5	D
March 31, 2026	$83M	27.67%	3.9	C
December 31, 2025	$78M	17.49%	4.8	B+
September 30, 2025	$78M	15.77%	4.9	A-
June 30, 2025	$76M	13.46%	5.0	A
March 31, 2025	$75M	13.59%	5.0	A
December 31, 2024	$78M	12.95%	5.0	A
September 30, 2024	$73M	9.03%	5.0	A
June 30, 2024	$73M	8.91%	5.0	A
March 31, 2024	$68M	7.63%	5.0	A
December 31, 2023	$61M	5.14%	5.0	A+
September 30, 2023	$59M	4.80%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Rochelle State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Rochelle State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Rochelle State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Rochelle State Bank

Bank Holding Company ST HLDGS INC

Address 800 Ashley St, Rochelle, GA 31079 · Wilcox

Website https://rochellebank.com/

FDIC Certificate # 16609

Established 19340101

FDIC Insurance Date 19470801

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 69/100

3.5

Very Good Out of 5.0 Stars

32.98%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1700%

Return on Equity (ROE) 2.0800%

Non-Performing Loans (NPL) 2.62%

Total Assets $85,642,000

Total Deposits $76,046,000

Equity Capital $6,807,000

Net Income $70,000

Headquarters Rochelle

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Rochelle State Bank

How many branches does Rochelle State Bank operate?

Rochelle State Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Rochelle State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rochelle State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Rochelle State Bank offer online and mobile banking?

Most modern institutions like Rochelle State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://rochellebank.com/.