The Citizens Bank of Cochran: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 9.67 percentage points in Q2 2026, from 109.57% to 119.25%. It was the largest change from Q1 2026 among the key lines here. 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 Citizens Bank of Cochran reported 99.78% on loan-to-deposit ratio for Q2 2026, 18.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $168.7M |
| Net loans and leases | $166.0M |
| Loans held for sale | $0 |
| Loans to total assets | 83.77% |
| Loan-to-deposit ratio | 99.78% |
| Net loans to equity capital | 5.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.56% |
| Multifamily (5+ residential) | 8.48% |
| Commercial and industrial | 3.84% |
| Consumer | 4.89% |
| Credit cards | 0.00% |
| Farm | 1.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.03% |
| Construction concentration (Tier 1 capital + allowance) | 119.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.10% |
| Interest income on loans | $3.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $130.7M | $155.7M | 19.42% | 7.95% | 5.40% |
| Q4 2023 | $131.6M | $146.7M | 20.21% | 5.60% | 5.32% |
| Q1 2024 | $141.2M | $151.8M | 18.50% | 7.22% | 5.77% |
| Q2 2024 | $142.6M | $154.1M | 18.37% | 7.26% | 5.85% |
| Q3 2024 | $151.1M | $162.2M | 18.72% | 6.56% | 5.32% |
| Q4 2024 | $150.3M | $171.3M | 17.48% | 4.53% | 5.67% |
| Q1 2025 | $154.3M | $171.5M | 18.02% | 4.25% | 5.60% |
| Q2 2025 | $163.6M | $168.8M | 18.27% | 4.08% | 5.36% |
| Q3 2025 | $165.1M | $171.7M | 18.49% | 4.03% | 5.20% |
| Q4 2025 | $166.4M | $172.6M | 18.90% | 3.78% | 5.10% |
| Q1 2026 | $167.0M | $173.9M | 19.91% | 3.77% | 4.85% |
| Q2 2026 | $168.7M | $169.1M | 15.56% | 3.84% | 4.89% |
The Citizens Bank of Cochran loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Cochran, freeSource: Call Report Schedule RC-C, 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)