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The Citizens Bank of Cochran

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

Cochran, GA

2 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +0.2% year over year ($169.1M on the books).
  • Delinquency rate 0.34%.
  • Return on assets 2.01%.
  • Efficiency ratio 51.87% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (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 1.64% above tier average
  • + ROA 0.69% above tier average
  • + Efficiency Ratio 12.60% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.5% in tier
  • - Liquidity Strain: Bottom 35.5% in tier
Get updates when The Citizens Bank of Cochran releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $201.4M
+2.3% YoY -2.0% QoQ
-$185.2M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $166.0M
+2.9% YoY +1.0% QoQ
-$92.3M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $169.1M
+0.2% YoY -2.8% QoQ
-$157.7M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 2.01%
+7.0% YoY +3.4% QoQ
+0.69% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 12.9% in tier
Net Interest Margin ? 5.62%
+4.0% YoY +1.1% QoQ
+1.64% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 2.3% in tier
Efficiency Ratio ? 51.87%
+4.6% YoY -0.8% QoQ
-12.60% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.34%
-10.5% YoY -37.0% QoQ
-0.58% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 98.19%
+2.8% YoY +3.9% QoQ
+20.24% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Bottom 12.3% in tier
Non-Interest-Bearing Deposit Share ? 14.39%
-1.9% YoY -3.5% QoQ
-7.64% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.43%
+38.3% YoY -25.6% QoQ
-0.24% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 21.00%
+11.8% YoY +2.5% QoQ
+5.09% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 11.8% in tier
Non-Interest Income / Assets ? 0.21%
+66.1% YoY +98.5% QoQ
-0.35% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 14.4%
-0.3pp YoY
-0.5pp QoQ
 -7.8pp 22.1% 26.2% 22.2% 21%
Brokered Deposits 1.8%
+1.2pp YoY
 -6.1pp 7.9% 7.5% 8.5% 27%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 3.9%
-0.2pp YoY
+0.1pp QoQ
 -7.7pp 11.6% 9.7% 12.5% 14%
CRE 48.1%
-0.2pp YoY
-0.3pp QoQ
 +8.5pp 39.5% 48.9% 41.4% 67%
1-4 Family 43.2%
+1.2pp YoY
+0.2pp QoQ
 +10.6pp 32.6% 31.7% 31.3% 75%
Consumer 5.0%
-0.5pp YoY
0.0pp QoQ
 +0.9pp 4.1% 4.8% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 21.0%
+2.2pp YoY
+0.5pp QoQ
 +2.2pp 18.8% 20.9% 19.7% 80%
Leverage Ratio 14.8%
+1.4pp YoY
+0.6pp QoQ
 +2.6pp 12.2% 14.0% 12.6% 86%
Total Capital Ratio 22.3%
+2.2pp YoY
+0.5pp QoQ
 +2.3pp 19.9% 22.1% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 30
+2 (+7.1%) YoY
+1 (+3.4%) QoQ
 -29 58 98 482 26%
Assets per Employee ($) $6.7M
-4.5% YoY
-5.2% QoQ
 -$806K $7.5M $7.5M $8.8M 47%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.4% 55%
Nonaccrual 0.2%
-0.2pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 30%
Allowance Coverage 4.78x
+25.1% YoY
+57.9% QoQ
 -19.37x 24.15x 38.10x 20.23x 69%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 14.2%
-1.0pp YoY
+0.2pp QoQ
 +2.0pp 12.2% 13.6% 11.6% 64%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 62%
Net Income ($, YTD) $2.0M
+10.4% YoY
— QoQ
 -$508K $2.6M $6.6M $40.4M 53%

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
#116 of 742 • Bottom 15.5% 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: 21.00%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 98.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#246 of 691 • Bottom 35.5% 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: 98.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

63
Net Interest Margin
profitability
Value: 5.62%
Peer Median: 3.99%
#63 of 2643 Top 2.3% in $100M-$1B
314
Tier 1 Capital Ratio
capital
Value: 21.00%
Peer Median: 15.91%
#314 of 2643 Top 11.8% in $100M-$1B
342
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.32%
#342 of 2643 Top 12.9% in $100M-$1B
545
Efficiency Ratio
profitability
Value: 51.87%
Peer Median: 64.48%
#545 of 2643 Top 20.6% in $100M-$1B

Top Weaknesses (2 metrics)

2320
Loan-to-Deposit Ratio
liquidity
Value: 98.19%
Peer Median: 77.95%
#2320 of 2643 Bottom 12.3% in $100M-$1B
2067
Non-Interest-Bearing Deposit Share
funding
Value: 14.39%
Peer Median: 22.03%
#2067 of 2643 Bottom 21.8% in $100M-$1B
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