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The Citizens Bank of Cochran

Cochran, GA
IDRSSD: 278733
Total Assets
$200.94M
Latest filing
Total Deposits
$171.75M
Latest filing
Net Interest Margin
5.60%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP31014
State and County Number13023
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees28
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance06/12/1945
Primary Insurance AgencyDIF
Websitewww.citizensbankcochran.com
Data Updated11/14/2025
CERT16275
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$200.94M
Total Deposits$171.75M
Total Liabilities$173.94M
Total Equity Capital$27.01M
Net Income$1.10M
Net Loans and Leases$162.63M
Assets Per Employee ($Millions)$6.48M
Bank Premises and Fixed Assets$2.35M
Cash and Balances due from Depository Institutions$21.39M
Deposits Held in Domestic Offices$171.75M

Key Performance Ratios

Return on Assets (ROA)2.21%
Return on Equity (ROE)16.7%
Net Interest Margin5.6%
Efficiency Ratio45.69%
Tier 1 Risk-Based Capital Ratio19.466%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.16%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.44%
Earning Assets to total Assets96.22%

Income and Expense

Total Interest Income$3.71M
Total Noninterest Income$155.00k
Total Interest Expense$1.02M
Total Noninterest Expense$1.30M
Net Interest Income$2.69M
Pre-tax Net Operating Income$1.46M
Provision for Credit Losses$80.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$410.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.19M
Total Liabilities and Capital$200.94M

Securities

Securities$12.00M
Available-for-sale debt securities$12.00M
Equity securities with readily determinable fair values not held for trading$0
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?
$200.94M as of the latest filing.
How much are The Citizens Bank of Cochran's total deposits?
$171.75M in total deposits.
Where is The Citizens Bank of Cochran located?
Cochran, GA.
What is the Net Interest Margin?
5.60%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
2.21%.
How much are total loans and leases?
$162.63M (latest filing).
What is the total interest income (latest filing)?
$3.71M.