F & M Bank and Trust Company vs Rochelle State Bank
This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
F & M Bank and Trust Company
Manchester, GA
Health score
76.4
Total assets
$87.4M
Bank
Rochelle State Bank
Rochelle, GA
Health score
58.4
Total assets
$85.6M
Answer first
Different strengths, no blanket winner
F & M Bank and Trust Company leads on financial health and capitalization and profitability and lending quality; Rochelle State Bank leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Where each institution leads
Financial health
F & M Bank and Trust Company
Higher TFS health score
Capitalization
F & M Bank and Trust Company
Higher comparable capital ratio
Profitability
F & M Bank and Trust Company
Higher return on assets
Lending quality
F & M Bank and Trust Company
Lower problem-loan measure
Growth
Rochelle State Bank
Higher year-over-year asset growth
Same-source detail
Financial metrics
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | F & M Bank and Trust Company | Rochelle State Bank |
|---|---|---|
| TFS health score | 76.4/100Leads | 58.4/100 |
| Total assets | $87.4M | $85.6M |
| Total deposits / shares | $77.2M | $76.0M |
| Tier 1 capital ratio | 10.17%Leads | 8.02% |
| Return on assets | 0.88%Leads | 0.17% |
| Return on equity | 10.24%Leads | 2.08% |
| Non-performing loans | 0.52%Leads | 3.40% |
| Net charge-offs | -0.00%Leads | 0.07% |
| Efficiency ratio | 82.65%Leads | 88.06% |
| Loan-to-deposit ratio | 79.58% | 85.89% |
| Asset growth (YoY) | 5.18% | 12.67%Leads |
| Deposit / share growth (YoY) | 1.99% | 9.70%Leads |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
Branch and market overlap
F & M Bank and Trust Company
1 branches
Rochelle State Bank
1 branches
Both institutions report branches in 1 state: GA.
CFPB complaint coverage
F & M Bank and Trust Company
Unavailable
Rochelle State Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Regulatory-action context
F & M Bank and Trust Company
0 in TFS registry
Rochelle State Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
Health and profitability trend
| Quarter | F & M Bank and Trust Company score | F & M Bank and Trust Company ROA | Rochelle State Bank score | Rochelle State Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.92% | — | -1.59% |
| 2024-Q4 | — | 1.14% | — | -1.19% |
| 2025-Q1 | — | 1.15% | — | 0.05% |
| 2025-Q2 | — | 1.10% | — | 0.08% |
| 2025-Q3 | — | 3.78% | — | 0.09% |
| 2025-Q4 | — | 3.18% | — | 0.12% |
| 2026-Q1 | 77.5/100 | 0.88% | 59.9/100 | 0.13% |
| 2026-Q2 | 76.4/100 | 0.88% | 58.4/100 | 0.17% |
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Coverage boundaries
What this does not conclude
- • No product-rate, fee, or customer-service winner without product data.
- • Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
- • Regulatory actions are displayed separately and are not included in category scoring.
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.