BlastPoint's Banking Scorecard

The Citizens Bank of Cochran

$100M-$1B Specialty: Commercial GA FDIC cert 16275

Cochran, GA

2 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

The Citizens Bank of Cochran has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.63% above tier average
+ ROA 0.68% above tier average
+ Efficiency Ratio 12.98% below tier average
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 16.5% in tier
- Liquidity Strain: Bottom 44.6% in tier

Get updates when The Citizens Bank of Cochran releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$205.4M +3.4% YoY +1.2% QoQ	-$180.7M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$164.4M +8.0% YoY +0.5% QoQ	-$91.4M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$173.9M +1.4% YoY +0.7% QoQ	-$154.1M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	1.95% -0.9% YoY +2.0% QoQ	+0.68%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 13.7% in tier
Net Interest Margin ?	5.56% +3.7% YoY +2.0% QoQ	+1.63%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 2.6% in tier
Efficiency Ratio ?	52.31% +8.1% YoY +7.5% QoQ	-12.98%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.53% -53.8% QoQ	-0.35%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	94.52% +6.5% YoY -0.2% QoQ	+17.88%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	14.91% +0.6% YoY +1.5% QoQ	-7.11%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	0.57% +581.9% YoY -46.9% QoQ	-0.06%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	20.49% +6.5% YoY +3.7% QoQ	+4.66%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 12.3% in tier
Non-Interest Income / Assets ?	0.11% +79.5% YoY -64.3% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	57%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#123 of 739 • Bottom 16.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.49%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 94.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#288 of 643 • Bottom 44.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.56%

Peer Median: 3.93%

#69 of 2664 Top 2.6% in $100M-$1B

329

Tier 1 Capital Ratio

capital

Value: 20.49%

Peer Median: 15.83%

#329 of 2664 Top 12.3% in $100M-$1B

365

Return on Assets

profitability

Value: 1.95%

Peer Median: 1.27%

#365 of 2664 Top 13.7% in $100M-$1B

541

Efficiency Ratio

profitability

Value: 52.31%

Peer Median: 65.29%

#541 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (2 metrics)

2243

Loan-to-Deposit Ratio

liquidity

Value: 94.52%

Peer Median: 76.64%

#2243 of 2664 Bottom 15.8% in $100M-$1B

2028

Non-Interest-Bearing Deposit Share

funding

Value: 14.91%

Peer Median: 22.02%

#2028 of 2664 Bottom 23.9% in $100M-$1B