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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 $8.1MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $144.7M14%Noninterest $24.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.74%1.96%1.88%1.99%1.91%1.95%2.01%+13 bps
Return on Equity15.28%15.02%16.41%15.26%15.77%14.87%14.05%14.23%-104 bps
Net Interest Margin4.62%4.45%5.20%5.18%5.23%5.22%5.34%5.39%+21 bps
Efficiency Ratio51.09%50.85%48.39%49.60%48.25%48.66%52.31%51.87%+227 bps
Non-Interest Burden2.22%2.13%2.40%2.44%2.39%2.39%2.59%2.59%+15 bps
Growth
Asset Growth (YoY)5.93%16.99%14.37%11.36%7.75%3.71%3.44%2.35%-901 bps
Loan Growth (YoY)15.60%14.21%9.29%14.70%9.23%10.68%8.25%3.11%-1,159 bps
Deposit Growth (YoY)4.21%16.73%12.94%9.50%5.86%0.77%1.41%0.17%-933 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.54%0.00%0.37%0.70%1.14%0.53%0.33%-4 bps
Net Charge-Offs / Loans0.04%0.04%0.02%-0.03%-0.02%-0.02%0.34%0.17%+20 bps
Allowance / Loans1.24%1.43%1.41%1.42%1.49%1.67%1.59%1.58%+17 bps
Allowance Coverage of NPLs20.4x2.6x1087.0x3.8x2.1x1.5x3.0x4.8x+1.0x
Capital
Tier 1 Leverage Ratio12.60%12.33%13.08%13.37%13.86%14.22%14.20%14.76%+139 bps
Total Risk-Based Capital18.93%19.58%20.49%20.05%20.72%21.01%21.75%22.26%+222 bps
Equity / Assets11.76%11.46%12.47%13.06%13.44%13.74%13.99%14.75%+169 bps
Liquidity & Funding
Loans / Deposits93.15%87.75%89.98%96.93%96.12%96.37%96.05%99.78%+284 bps
Liquid Assets / Assets9.59%14.00%13.44%8.22%9.11%10.34%10.83%8.44%+22 bps
CRE / Total Capitaln/an/an/an/a287%293%272%n/an/a