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
Unfavorable gap of $5.3M · efficiency ratio beats 76% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.03% | 0.94% | 1.46% | 1.76% | Beats 88% | 7 / 59 | | |
| Return on Equity | 13.78% | 7.92% | 11.60% | 15.10% | Beats 61% | 23 / 59 | | |
| Net Interest Margin | 5.39% | 3.66% | 4.24% | 4.75% | Beats 95% | 3 / 59 | | |
| Efficiency Ratio | 51.87% | 51.87% | 60.25% | 70.24% | Beats 76% | 15 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.10% | 0.36% | 0.89% | Beats 57% | 26 / 58 | | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.02% | 0.05% | Beats 12% | 52 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 21.00% | 11.93% | 15.65% | 21.05% | Beats 73% | 16 / 59 | | |
| Total Risk-Based Capital Ratio | 22.26% | 12.05% | 15.77% | 22.26% | Beats 75% | 15 / 59 | | |
| Equity / Assets | 14.75% | 9.10% | 11.51% | 14.32% | Beats 80% | 12 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.78% | 59.62% | 72.81% | 85.44% | 95th pctl | 3 / 58 | | |
| Loans / Assets | 83.77% | 49.55% | 64.39% | 73.73% | 95th pctl | 3 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |