Headquartered in Cochran, Georgia, The Citizens Bank of Cochran is a state-chartered bank with $201.4M in total assets and $169.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1934.
The Citizens Bank of Cochran has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 13th. Earnings contributes the most (100/100, 2.01%); funding & liquidity contributes the least (62/100, 98% loans-to-deposits, 16% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (86 → 90), mostly because the capital cushion component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 85 |
| Q4 2024 | 80 |
| Q1 2025 | 90 |
| Q2 2025 | 86 |
| Q3 2025 | 85 |
| Q4 2025 | 81 |
| Q1 2026 | 87 |
| Q2 2026 | 90 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.57% |
| Q3 2024 | 12.60% |
| Q4 2024 | 12.33% |
| Q1 2025 | 13.08% |
| Q2 2025 | 13.37% |
| Q3 2025 | 13.86% |
| Q4 2025 | 14.22% |
| Q1 2026 | 14.20% |
| Q2 2026 | 14.76% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.70% |
| Q4 2025 | 1.14% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.77% |
| Q3 2024 | 1.77% |
| Q4 2024 | 1.74% |
| Q1 2025 | 1.96% |
| Q2 2025 | 1.88% |
| Q3 2025 | 1.99% |
| Q4 2025 | 1.91% |
| Q1 2026 | 1.95% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $201.4M | 14.76% | 0.33% | 2.01% | 98.2% |
| Q1 2026 | 87 | $205.4M | 14.20% | 0.53% | 1.95% | 94.5% |
| Q4 2025 | 81 | $202.9M | 14.22% | 1.14% | 1.91% | 94.8% |
| Q3 2025 | 85 | $200.9M | 13.86% | 0.70% | 1.99% | 94.7% |
| Q2 2025 | 86 | $196.8M | 13.37% | 0.37% | 1.88% | 95.6% |
| Q1 2025 | 90 | $198.6M | 13.08% | 0.00% | 1.96% | 88.7% |
| Q4 2024 | 80 | $195.7M | 12.33% | 0.54% | 1.74% | 86.5% |
| Q3 2024 | 85 | $186.5M | 12.60% | 0.06% | 1.77% | 92.0% |
| Q2 2024 | 85 | $176.7M | 12.57% | 0.10% | 1.77% | 91.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Legacy State BankBank Loganville, GA | 75 out of 100, Strong | $205.9M | 12.1% | 0.05% | vs |
| Peoples BankBank Lyons, GA | 49 out of 100, Below average | $192.4M | 11.2% | 5.12% | vs |
| Vidalia Federal Savings BankBank Vidalia, GA | 64 out of 100, Moderate | $212.0M | 12.0% | 0.79% | vs |
| The Geo. D. Warthen BankBank Sandersville, GA | 73 out of 100, Strong | $190.3M | 13.0% | 1.27% | vs |
| Bank of CamillaBank Camilla, GA | 89 out of 100, Very strong | $188.1M | 20.8% | 0.37% | vs |
Deposit insurance
Is my money safe at The Citizens Bank of Cochran?
Yes. The Citizens Bank of Cochran is an FDIC-insured institution (FDIC certificate #16275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.6% of deposits ($26.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.26% (benchmark: 10%).
2 locations
Branches
The Citizens Bank of Cochran lists 2 offices in 2 cities. Most locations:
- Cochran, GA (1)
- Dublin, GA (1)
Identity & history
Profile
- Legal name
- The Citizens Bank of Cochran
- Former names
- Cook Banking Company
- Type
- State-chartered bank
- FDIC certificate #
- 16275
- RSSD ID
- 278733
- Primary regulator
- FDIC
- Holding company
- Putnam-Greene Financial Corp
- Established
- January 1, 1934
- Headquarters
- 124 E Dykes St, Cochran, GA 31014
- Website
- www.citizensbankcochran.com
- Employees
- 30
Quick answers
The Citizens Bank of Cochran: common questions
Is The Citizens Bank of Cochran FDIC insured?
Yes. The Citizens Bank of Cochran is an FDIC-insured institution (FDIC certificate #16275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank of Cochran's TellerScore?
90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens Bank of Cochran ever failed?
There is no failure record for FDIC certificate #16275 in the FDIC failed bank list.
How many branches does The Citizens Bank of Cochran have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cochran
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
| The Four County BankBank Allentown, GA | 87 out of 100, Very strong | $87.1M | 13.8% | 0.68% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |