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Citizens Bank of Cochran, The

Cochran, GA · Cert 16275 · Putnam-Greene Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Citizens Bank of Cochran, The

Cochran, GA · Cert 16275 · Putnam-Greene Financial Corp.

State charter, non-member · FDIC · 3 affiliate banks · 2 branches (7 in holding)

Q2 2026

$201.4MAssets
$168.7MLoans
$169.1MDeposits
$29.7MEquity
Loan mix
91%RE $151.9M4%C&I $6.3M5%Consumer $8.1MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $144.7M14%Noninterest $24.3MQ2 2025Q2 2026

NIM

6.83%Q2 ’247.28%Q2 ’257.17%Q2 ’26+11%+4%

Non-interest income vs. expense

2.59%Q2 ’242.70%Q2 ’253.01%Q2 ’26+6%+6%

Executive Summary

  • Earnings: ROA of 2.01%, up 13 bps year over year; NIM at 5.39%.
  • Asset quality: problem loans at 0.33% of loans (-4 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 14.76%, up 139 bps from a year ago.
  • Funding: loans stand at 99.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.01%+13 bps YoY

Net Interest Margin (YTD, annualized)

5.39%+21 bps YoY

Efficiency Ratio (YTD, annualized)

51.87%+227 bps YoY

Tier 1 Leverage Ratio

14.76%+139 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.99%1.91%1.95%2.01%+13 bps
Return on Equity15.26%15.77%14.87%14.05%14.23%-104 bps
Net Interest Margin5.18%5.23%5.22%5.34%5.39%+21 bps
Efficiency Ratio49.60%48.25%48.66%52.31%51.87%+227 bps
Non-Interest Burden2.44%2.39%2.39%2.59%2.59%+15 bps
Growth
Asset Growth (YoY)11.36%7.75%3.71%3.44%2.35%-901 bps
Loan Growth (YoY)14.70%9.23%10.68%8.25%3.11%-1,159 bps
Deposit Growth (YoY)9.50%5.86%0.77%1.41%0.17%-933 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.70%1.14%0.53%0.33%-4 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.02%0.34%0.17%+20 bps
Allowance / Loans1.42%1.49%1.67%1.59%1.58%+17 bps
Allowance Coverage of NPLs3.8x2.1x1.5x3.0x4.8x+1.0x
Capital
Tier 1 Leverage Ratio13.37%13.86%14.22%14.20%14.76%+139 bps
Total Risk-Based Capital20.05%20.72%21.01%21.75%22.26%+222 bps
Equity / Assets13.06%13.44%13.74%13.99%14.75%+169 bps
Liquidity & Funding
Loans / Deposits96.93%96.12%96.37%96.05%99.78%+284 bps
Liquid Assets / Assets8.22%9.11%10.34%10.83%8.44%+22 bps
CRE / Total Capitaln/a287%293%272%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Citizens Bank of Cochran, The

Cochran, GA · Cert 16275 · Peer group: banks under $1B in assets in GA (n=58-59) · Putnam-Greene Financial Corp.

State charter, non-member · FDIC · 3 affiliate banks · 2 branches (7 in holding)

Q2 2026

$201.4MAssets
$168.7MLoans
$169.1MDeposits
$29.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets in GA (rank 3 of 59).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets in GA (rank 52 of 58).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.03%

Rank 7 of 59

Net Interest Margin

5.39%

Rank 3 of 59

Efficiency Ratio

51.87%

Rank 15 of 59

Equity / Assets

14.75%

Rank 12 of 59

Non-interest income vs. expense

$0.9M$6.2MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 76% of banks under $1B in assets in GA
Bank 51.87%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.03%0.94%1.46%1.76%Beats 88%7 / 59
Return on Equity13.78%7.92%11.60%15.10%Beats 61%23 / 59
Net Interest Margin5.39%3.66%4.24%4.75%Beats 95%3 / 59
Efficiency Ratio51.87%51.87%60.25%70.24%Beats 76%15 / 59
Asset Quality
Nonperforming Loans / Loans0.33%0.10%0.36%0.89%Beats 57%26 / 58
Net Charge-Offs / Loans0.10%0.00%0.02%0.05%Beats 12%52 / 58
Capital
Tier 1 Capital Ratio21.00%11.93%15.65%21.05%Beats 73%16 / 59
Total Risk-Based Capital Ratio22.26%12.05%15.77%22.26%Beats 75%15 / 59
Equity / Assets14.75%9.10%11.51%14.32%Beats 80%12 / 59
Liquidity & Funding
Loans / Deposits99.78%59.62%72.81%85.44%95th pctl3 / 58
Loans / Assets83.77%49.55%64.39%73.73%95th pctl3 / 59
Brokered Deposits / Depositsn/aNot reported for this institution