The Citizens Bank of Cochran: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 118.05 percentage points higher than in Q1 2026, at 465.51%. Within Georgia, The Citizens Bank of Cochran is 25th of 121 on return on assets, 2.06% as of Q2 2026, above the middle of the field. The Citizens Bank of Cochran's return on assets of 2.06% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.00% |
| Tier 1 risk-based capital ratio | 21.00% |
| Total risk-based capital ratio | 22.26% |
| Tier 1 leverage ratio | 14.76% |
| Equity capital to assets | 14.75% |
| Tangible equity to tangible assets | 14.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.35% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 465.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 14.41% |
| Net interest margin | 5.54% |
| Efficiency ratio | 51.44% |
| Yield on earning assets | 7.38% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.78% |
| Core deposits to total deposits | 83.61% |
| Brokered deposits to total deposits | 1.77% |
| Deposits to assets | 83.96% |
| Securities to assets | 5.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.54% | 17.54% | 18.80% | 12.07% | 1.64% |
| Q4 2023 | 18.44% | 18.44% | 19.70% | 11.90% | 1.86% |
| Q1 2024 | 17.76% | 17.76% | 19.01% | 12.47% | 1.76% |
| Q2 2024 | 18.15% | 18.15% | 19.40% | 12.57% | 1.77% |
| Q3 2024 | 17.68% | 17.68% | 18.93% | 12.60% | 1.79% |
| Q4 2024 | 18.32% | 18.32% | 19.58% | 12.33% | 1.64% |
| Q1 2025 | 19.24% | 19.24% | 20.49% | 13.08% | 1.97% |
| Q2 2025 | 18.79% | 18.79% | 20.05% | 13.37% | 1.78% |
| Q3 2025 | 19.47% | 19.47% | 20.72% | 13.86% | 2.21% |
| Q4 2025 | 19.75% | 19.75% | 21.01% | 14.22% | 1.69% |
| Q1 2026 | 20.49% | 20.49% | 21.75% | 14.20% | 1.94% |
| Q2 2026 | 21.00% | 21.00% | 22.26% | 14.76% | 2.06% |
The Citizens Bank of Cochran vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Cochran, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)