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The Citizens Bank Of Cochran
Cochran, GA · FDIC Certificate #16275 · Chartered 01/0
Total assets
$201.37M
Total deposits
$169.07M
Total equity
$29.70M
Net loans
$166.02M
Branches (offices)
2
Net income (YTD)
$2.05M
Rank: #2,963 of 4,213 U.S. banks by assets · #89 of 123 in Georgia. Assets changed 2.3% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 14.23% |
| Net interest margin (YTD) | 5.62% |
| Equity to assets | 14.75% |
| Tier 1 leverage ratio | 14.76% |
| Uninsured deposits (share of deposits) | 15.6% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 98.2% |
| Real estate loans (share of loans) | 92.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $153.26M | 92.3% | |
| Commercial & industrial | $6.47M | 3.9% | |
| Consumer / individual | $8.24M | 5.0% | |
| Construction & development | $39.23M | 23.6% | |
| Agricultural | $245.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $134.27M | $117.34M | $995.00K | $15.87M |
| Jun 2023 | $161.40M | $142.00M | $1.43M | $17.44M |
| Jun 2024 | $176.68M | $154.13M | $1.53M | $20.73M |
| Jun 2025 | $196.75M | $168.78M | $1.85M | $25.69M |
| Jun 2026 | $201.37M | $169.07M | $2.05M | $29.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $169.07M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $169.07M.
Similar-sized banks
Minden Exchange Bank & Trust Company ($201.42M) · Millennial Bank ($201.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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