The Citizens Bank of Cochran: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens Bank of Cochran of Cochran, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.06% | 1.34% | +0.72% | 87th top |
| ROAE | 14.41% | 13.31% | +1.10% | 62nd above |
| Net Interest Margin | 5.54% | 3.93% | +1.61% | 98th top |
| Efficiency Ratio | 51.44% | 61.14% | -9.70% | 78th top |
| PPNR / Avg Assets | 2.83% | 1.68% | +1.15% | 94th top |
| Yield on Earning Assets | 7.38% | 5.67% | +1.71% | 97th top |
| Cost of Funds | 2.19% | 1.88% | +0.31% | 27th below |
| Net Interest Spread | 4.85% | 3.32% | +1.53% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.94% | -0.60% | 54th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.43% | 0.70% | -0.27% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 1.58% | 1.28% | +0.30% | 83rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 465.51% | 1538.90% | -1073.39% | 69th above |
| Texas Ratio | 3.35% | 7.33% | -3.98% | 51st above |
| Provision / NCO | 20.98% | 1395.90% | -1374.92% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.00% | 19.50% | +1.50% | 80th top |
| Tier 1 Ratio | 21.00% | 19.53% | +1.47% | 80th top |
| Total Capital Ratio | 22.26% | 20.62% | +1.64% | 80th top |
| Leverage Ratio | 14.76% | 12.14% | +2.62% | 85th top |
| Equity / Assets | 14.75% | 11.37% | +3.38% | 87th top |
| TCE / Tangible Assets | 14.75% | 11.09% | +3.66% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.78% | 80.63% | +19.15% | 12th bottom |
| Core Deposit Ratio | 83.61% | 86.86% | -3.25% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.35% | 6.85% | -4.50% | 34th below |
| Loan Growth (Y/Y) | 3.11% | 7.90% | -4.79% | 37th below |
| Deposit Growth (Y/Y) | 0.17% | 6.29% | -6.12% | 24th bottom |
See The Citizens Bank of Cochran's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens Bank of Cochran, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens Bank of Cochran profile, how to read a UBPR, or how this data updates.