The Citizens Bank of Cochran
Cochran, GA
IDRSSD: 278733
Total Assets
$205.41M
Latest filing
Total Deposits
$173.88M
Latest filing
Net Interest Margin
5.56%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank of Cochran
124 E Dykes St
Cochran, GA 31014
Full Service - Brick and Mortar
Updated 04/17/2026Established 01/01/1934FDIC Certificate 10464
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens Bank of Cochran (Main) | 124 E Dykes St | Cochran, GA |
| DUBLIN BRANCH | 605 Bellevue Ave | Dublin, GA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31014 |
| State and County Number | 13023 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 31 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/12/1945 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbankcochran.com |
| Data Updated | 04/17/2026 |
| CERT | 16275 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $205.41M |
| Total Deposits | $173.88M |
| Total Liabilities | $176.67M |
| Total Equity Capital | $28.74M |
| Net Income | $994.00k |
| Net Loans and Leases | $164.36M |
| Assets Per Employee ($Millions) | $7.08M |
| Bank Premises and Fixed Assets | $2.30M |
| Cash and Balances due from Depository Institutions | $24.31M |
| Deposits Held in Domestic Offices | $173.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 14.05% |
| Net Interest Margin | 5.56% |
| Efficiency Ratio | 52.31% |
| Tier 1 Risk-Based Capital Ratio | 20.49% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.992% |
| Earning Assets to total Assets | 96.49% |
Income and Expense
| Total Interest Income | $3.64M |
| Total Noninterest Income | $221.00k |
| Total Interest Expense | $899.00k |
| Total Noninterest Expense | $1.55M |
| Net Interest Income | $2.74M |
| Pre-tax Net Operating Income | $1.38M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $300.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $410.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.79M |
| Total Liabilities and Capital | $205.41M |
Securities
| Securities | $11.18M |
| Available-for-sale debt securities | $11.18M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens Bank of Cochran?
$205.41M as of the latest filing.
How much are The Citizens Bank of Cochran's total deposits?
$173.88M in total deposits.
Where is The Citizens Bank of Cochran located?
Cochran, GA.
What is the Net Interest Margin?
5.56%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$164.36M (latest filing).
What is the total interest income (latest filing)?
$3.64M.