Side-by-side · Q2 2026 data
Magnolia State Bank vs The Citizens Bank of Cochran
Metric by metric
| Measure | Magnolia State Bank | The Citizens Bank of Cochran |
|---|---|---|
| TellerScore | 87 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 60 | 89 (stronger) |
| Earnings | 99 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 62 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 91st | 95th |
| Total assets | $198.7M | $201.4M |
| Deposits / shares | $167.2M | $169.1M |
| Capital ratio | 15.65% (stronger) | 14.76% |
| Problem loans | 1.21% | 0.33% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.17% |
| Return on assets | 1.98% | 2.01% (stronger) |
| Loans ÷ deposits | 64.2% (stronger) | 98.2% |
| Uninsured deposits | 25.0% | 15.6% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
The Citizens Bank of Cochran has the higher TellerScore (90 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Magnolia State Bank leads on 3 and The Citizens Bank of Cochran on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.