The Citizens Bank of Cochran: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 6.41 percentage points higher than in Q1 2026, at 116.86%. On loan-to-deposit ratio, The Citizens Bank of Cochran ranks 9th highest among the 122 banks headquartered in Georgia, at 99.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens Bank of Cochran sits 18.94 points higher, at 99.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.4M |
| Fed funds sold and reverse repos | $410K |
| Fed funds sold and reverse repos to assets | 0.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.78% |
| Net loans and leases to deposits | 98.19% |
| Loans and leases to core deposits | 116.86% |
| Core deposits to total deposits | 83.61% |
| Brokered deposits to total deposits | 1.77% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 83.97% | 86.47% | $0 | $0 |
| Q4 2023 | 89.68% | 85.88% | $0 | $0 |
| Q1 2024 | 92.99% | 83.48% | $0 | $0 |
| Q2 2024 | 92.54% | 81.59% | $0 | $0 |
| Q3 2024 | 93.15% | 81.38% | $0 | $0 |
| Q4 2024 | 87.75% | 81.62% | $0 | $0 |
| Q1 2025 | 89.98% | 83.47% | $0 | $0 |
| Q2 2025 | 96.93% | 84.80% | $0 | $0 |
| Q3 2025 | 96.12% | 85.02% | $0 | $0 |
| Q4 2025 | 96.37% | 86.66% | $0 | $0 |
| Q1 2026 | 96.05% | 86.96% | $0 | $0 |
| Q2 2026 | 99.78% | 83.61% | $0 | $0 |
The Citizens Bank of Cochran liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Cochran, freeSource: Call Report Schedules RC and RC-M, 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)