The Citizens Bank of Cochran
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Cochran is an FDIC-insured commercial bank headquartered in Cochran, GA, established in 1934 (FDIC certificate 16275), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $201.4M, up 2.3% from Q2 2025, the 88th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 21.00% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16275
- Headquarters
- Cochran, GA
- Established
- 1934
- Total assets, Q2 2026
- $201.4M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 21.00%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061211346
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens Bank of Cochran Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- PUTNAM-GREENE FINANCIAL CORPORATION
- Asset rank in state
- 88th of 121 in Georgia
The Citizens Bank of Cochran earns an unusually wide margin on its lending. Based in Cochran, Georgia, it had $201 million in assets at June 30, 2026, up 2.3% from a year earlier. It keeps 5.54 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $2.06 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Net income for the quarter rose 19% from a year earlier, to $1.1 million.
As of June 30, 2026, The Citizens Bank of Cochran reported a CET1 capital ratio of 21.00%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.65%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, The Citizens Bank of Cochran is the 88th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.0% to $201.4M, loans rose 1.0% and deposits fell 2.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.5% of total loans, ahead of construction and land development loans at 23.3%. The FDIC Summary of Deposits lists 2 offices for it, in Cochran, GA and Dublin, GA; its Cochran office books 78% of its branch deposits. On its Q2 2026 call report, The Citizens Bank of Cochran meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 124 E Dykes St, Cochran, GA 31014
- County
- Bleckley
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- The Citizens Bank of Cochran (1990)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $169.1M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $143K
- Average total assets
- $204.8M
- Average total loans
- $170.1M
- Average interest-bearing deposits
- $143.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 12, 1945
- FDIC Cert
- 16275
- Fed RSSD
- 278733
- Website
- www.citizensbankcochran.com →
- Parent Holding Company
- PUTNAM-GREENE FINANCIAL CORPORATION (RSSD 1246252)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Citizens Bank of Cochran's total assets ran between $167.3M (Q4 2023) and $205.4M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$201.4M total assets against $196.8M; $171.7M total liabilities against $171.1M.
$166.0M net loans and leases against $161.3M; $169.1M total deposits against $168.8M.
$10.6M securities against $12.2M; $19.8M cash and balances due against $18.8M.
$3.7M total interest income against $3.6M; $924K total interest expense against $1.0M.
$2.8M net interest income against $2.6M.
$209K total noninterest income against $134K; $1.5M total noninterest expense against $1.4M.
$30K provision for credit losses against $130K.
$1.1M net income against $886K.
2.06% return on assets against 1.78%; 5.54% net interest margin against 5.33%.
21.00% CET1 capital ratio against 18.79%; 14.76% tier 1 leverage ratio against 13.37%.
Inside the full The Citizens Bank of Cochran terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Citizens Bank of Cochran rankings
Its closest position to the top of a national ranking is 429 of 3,611, for ROA; its furthest is 2,951 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.64% (Q4 2024) to 2.21% (Q3 2025) and its net interest margin ran from 4.82% (Q4 2024) to 5.54% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.00% | 2.06% | 0.33% | 2.65% | 5.54% |
| Q1 2026 | 20.49% | 1.94% | 0.53% | 3.75% | 5.46% |
| Q4 2025 | 19.75% | 1.69% | 1.14% | 7.15% | 5.39% |
| Q3 2025 | 19.47% | 2.21% | 0.70% | 3.94% | 5.50% |
| Q2 2025 | 18.79% | 1.78% | 0.37% | 2.17% | 5.33% |
| Q1 2025 | 19.24% | 1.97% | 0.00% | 0.62% | 5.33% |
| Q4 2024 | 18.32% | 1.64% | 0.54% | 3.99% | 4.82% |
| Q3 2024 | 17.68% | 1.79% | 0.06% | 1.08% | 4.94% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens Bank of Cochran | Cochran , GA | 31014 | $131.1M |
| Dublin Branch | Dublin , GA | 31021 | $38.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve). These actions name the parent holding company, PUTNAM-GREENE FINANCIAL CORPORATION, not the bank itself
- April 16, 2004, Federal Reserve: Written Agreement: Putnam-Greene Financial Corporation, Eatonton, GA and The Citizens Bank of Cochran, Cochran, GA
- November 12, 1997, Federal Reserve: Cease and Desist Order: Putnam-Greene Financial Corporation, Eatonton, GA
- Period: Most recent institution action April 16, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 121 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens Bank of Cochran
What are The Citizens Bank of Cochran's total assets?
As of the Q2 2026 filing, The Citizens Bank of Cochran reported total assets of $201.4 million in its FFIEC call report.
Where is The Citizens Bank of Cochran headquartered?
It is headquartered in Cochran, GA, United States.
When was The Citizens Bank of Cochran founded?
It was established in 1934, per the FDIC institution directory.
Is The Citizens Bank of Cochran FDIC-insured?
Yes. It 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 The Citizens Bank of Cochran?
The Citizens Bank of Cochran's primary federal regulator is the FDIC.
What is The Citizens Bank of Cochran's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens Bank of Cochran operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank of Cochran's Texas Ratio?
Its Texas Ratio is 2.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Citizens Bank of Cochran previously called?
The charter now named The Citizens Bank of Cochran has also operated as The Citizens Bank of Cochran (1990), per FDIC structure-change records.
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