CITIZENS BANK OF COCHRAN, THE
CITIZENS BANK OF COCHRAN, THE is an FDIC-insured commercial bank headquartered in COCHRAN, GA, established in 1934. As of , the bank reported total assets of $203M and total deposits of $173M. Profitability stands at 1.68% ROA and 12.33% ROE, with a net interest margin of 5.40%. CET1 capital ratio: 19.75%, well above regulatory minimums. NPL ratio: 0.76% · Texas Ratio: 5.10%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Citizens Bank of Cochran, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 19.75% | 1.68% | 0.76% | 5.10% | 5.40% |
| 2025-09-30 | 19.47% | 2.21% | 0.70% | 3.94% | 5.51% |
| 2025-06-30 | 18.79% | 1.79% | 0.37% | 2.16% | 5.34% |
| 2025-03-31 | 19.24% | 1.96% | 0.06% | 0.94% | 5.33% |
| 2024-12-31 | 18.32% | 1.65% | 0.54% | 3.97% | 4.82% |
| 2024-09-30 | 17.68% | 1.79% | 0.06% | 1.07% | 4.94% |
| 2024-06-30 | 18.15% | 1.77% | 0.07% | 1.19% | 4.91% |
| 2024-03-31 | 17.76% | 1.76% | 0.26% | 1.67% | 4.88% |
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Frequently asked about CITIZENS BANK OF COCHRAN, THE
What are Citizens Bank of Cochran, the's total assets?
As of the Q4 2025 filing, Citizens Bank of Cochran, the reported total assets of $202.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank of Cochran, the headquartered?
Citizens Bank of Cochran, the is headquartered in COCHRAN, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank of Cochran, the founded?
Citizens Bank of Cochran, the was established in 1934, per the FDIC institution directory.
Is Citizens Bank of Cochran, the FDIC-insured?
Yes. Citizens Bank of Cochran, the is an FDIC-insured commercial bank (FDIC Certificate #16275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Cochran, the?
Citizens Bank of Cochran, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank of Cochran, the's CET1 capital ratio?
Citizens Bank of Cochran, the reported a Common Equity Tier 1 (CET1) capital ratio of 19.75% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens Bank of Cochran, the operate?
Citizens Bank of Cochran, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank of Cochran, the's Texas Ratio?
Citizens Bank of Cochran, the's Texas Ratio is 5.10% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.