Side-by-side · Q2 2026 data
The Citizens Bank of Cochran vs Legacy State Bank
Metric by metric
| Measure | The Citizens Bank of Cochran | Legacy State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 75 |
| Capital cushion | 98 (stronger) | 71 |
| Loan quality | 89 | 98 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 62 (stronger) | 45 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 95th | 61st |
| Total assets | $201.4M | $205.9M |
| Deposits / shares | $169.1M | $180.3M |
| Capital ratio | 14.76% (stronger) | 12.05% |
| Problem loans | 0.33% | 0.05% (stronger) |
| Net charge-offs | 0.17% | 0.00% (stronger) |
| Return on assets | 2.01% (stronger) | 1.11% |
| Loans ÷ deposits | 98.2% | 85.2% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 42.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Cochran has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Cochran leads on 4 and Legacy State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.