The Citizens Bank of Cochran: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Cochran is a locally rooted FDIC-insured community bank based in Cochran, GA. Profitability is strong, 2.06% ROA, paired with 14.41% ROE and a 5.54% net interest margin. The Q2 2026 balance sheet stands at $201M in assets, including $169M in loans. Capital is comfortably above regulatory requirements, CET1 ratio of 21.00% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.34% NPLs and a 3.35% Texas Ratio. 2 branches make up the footprint.
As of June 30, 2026, The Citizens Bank of Cochran reported a CET1 capital ratio of 21.00%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.34%, a Texas ratio of 3.35%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 124 E Dykes St, Cochran, GA 31014
- County
- Bleckley
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- The Citizens Bank of Cochran (1990)
- Offices
- 2 domestic
- Employees (FTE)
- 30
- Domestic deposits
- $169.1M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $143K
- Average total assets
- $204.8M
- Average total loans
- $170.1M
- Average interest-bearing deposits
- $143.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 12, 1945
- FDIC Cert
- 16275
- Fed RSSD
- 278733
- Website
- www.citizensbankcochran.com →
- Parent Holding Company
- PUTNAM-GREENE FINANCIAL CORPORATION (RSSD 1246252)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Citizens Bank of Cochran terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Citizens Bank of Cochran, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Citizens Bank of Cochran rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.00% | 2.06% | 0.34% | 3.35% | 5.54% |
| Q1 2026 | 20.49% | 1.94% | 0.46% | 4.47% | 5.46% |
| Q4 2025 | 19.75% | 1.69% | 0.76% | 7.15% | 5.39% |
| Q3 2025 | 19.47% | 2.21% | 0.70% | 3.94% | 5.50% |
| Q2 2025 | 18.79% | 1.78% | 0.37% | 2.17% | 5.33% |
| Q1 2025 | 19.24% | 1.97% | 0.06% | 0.94% | 5.33% |
| Q4 2024 | 18.32% | 1.64% | 0.54% | 3.99% | 4.82% |
| Q3 2024 | 17.68% | 1.79% | 0.06% | 1.08% | 4.94% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens Bank of Cochran | Cochran , GA | 31014 | $131.1M |
| Dublin Branch | Dublin , GA | 31021 | $38.0M |
Regulatory record
What the public regulatory sources show for The Citizens Bank of Cochran, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve). These actions name the parent holding company, PUTNAM-GREENE FINANCIAL CORPORATION, not the bank itself
- April 16, 2004, Federal Reserve: Written Agreement: Putnam-Greene Financial Corporation, Eatonton, GA and The Citizens Bank of Cochran, Cochran, GA
- November 12, 1997, Federal Reserve: Cease and Desist Order: Putnam-Greene Financial Corporation, Eatonton, GA
- Period: Most recent institution action April 16, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 121 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Citizens Bank of Cochran’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Citizens Bank of Cochran with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The Citizens Bank of Cochran
What are The Citizens Bank of Cochran's total assets?
As of the Q2 2026 filing, The Citizens Bank of Cochran reported total assets of $201.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens Bank of Cochran headquartered?
The Citizens Bank of Cochran is headquartered in Cochran, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Citizens Bank of Cochran founded?
The Citizens Bank of Cochran was established in 1934, per the FDIC institution directory.
Is The Citizens Bank of Cochran FDIC-insured?
Yes. The Citizens Bank of Cochran is an FDIC-insured commercial bank (FDIC Certificate #16275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank of Cochran?
The Citizens Bank of Cochran's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Citizens Bank of Cochran's CET1 capital ratio?
The Citizens Bank of Cochran reported a Common Equity Tier 1 (CET1) capital ratio of 21.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens Bank of Cochran operate?
The Citizens Bank of Cochran operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank of Cochran's Texas Ratio?
The Citizens Bank of Cochran's Texas Ratio is 3.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Citizens Bank of Cochran previously called?
The charter now named The Citizens Bank of Cochran has also operated as The Citizens Bank of Cochran (1990), per FDIC structure-change records.
Go deeper on The Citizens Bank of Cochran.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Citizens Bank of Cochran, freeFree account