The Citizens Bank of Cochran: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.76 percentage points higher than in Q1 2026, at 14.75%. The Citizens Bank of Cochran ranks 21st of 79 Georgia banks on CET1 ratio, in the upper half at 21.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Citizens Bank of Cochran sits 5.93 points higher, at 21.00% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.00% |
| Tier 1 risk-based capital ratio | 21.00% |
| Total risk-based capital ratio | 22.26% |
| Tier 1 leverage ratio | 14.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $30.2M |
| Tier 1 capital | $30.2M |
| Total risk-based capital | $32.0M |
| Total equity capital | $29.7M |
| Risk-weighted assets | $143.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.75% |
| Tangible equity to tangible assets | 14.75% |
| Equity capital to average assets | 14.50% |
| Internal capital growth rate | 14.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $14.5M |
| Retained earnings | $15.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$521K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.54% | 17.54% | 18.80% | 12.07% | $114.1M |
| Q4 2023 | 18.44% | 18.44% | 19.70% | 11.90% | $113.0M |
| Q1 2024 | 17.76% | 17.76% | 19.01% | 12.47% | $120.3M |
| Q2 2024 | 18.15% | 18.15% | 19.40% | 12.57% | $122.0M |
| Q3 2024 | 17.68% | 17.68% | 18.93% | 12.60% | $129.9M |
| Q4 2024 | 18.32% | 18.32% | 19.58% | 12.33% | $129.6M |
| Q1 2025 | 19.24% | 19.24% | 20.49% | 13.08% | $133.6M |
| Q2 2025 | 18.79% | 18.79% | 20.05% | 13.37% | $141.5M |
| Q3 2025 | 19.47% | 19.47% | 20.72% | 13.86% | $142.2M |
| Q4 2025 | 19.75% | 19.75% | 21.01% | 14.22% | $144.4M |
| Q1 2026 | 20.49% | 20.49% | 21.75% | 14.20% | $142.4M |
| Q2 2026 | 21.00% | 21.00% | 22.26% | 14.76% | $143.9M |
The Citizens Bank of Cochran regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Cochran, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens Bank of Cochran profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16275) · FFIEC NIC profile (RSSD 278733)