Side-by-side · Q2 2026 data
The Citizens Bank of Cochran vs Vidalia Federal Savings Bank
Metric by metric
| Measure | The Citizens Bank of Cochran | Vidalia Federal Savings Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 64 |
| Capital cushion | 98 (stronger) | 70 |
| Loan quality | 89 (stronger) | 74 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 95th | 26th |
| Total assets | $201.4M | $212.0M |
| Deposits / shares | $169.1M | $164.3M |
| Capital ratio | 14.76% (stronger) | 12.05% |
| Problem loans | 0.33% (stronger) | 0.79% |
| Net charge-offs | 0.17% | 0.00% (stronger) |
| Return on assets | 2.01% (stronger) | -0.80% |
| Loans ÷ deposits | 98.2% | 59.1% (stronger) |
| Uninsured deposits | 15.6% | 8.0% (stronger) |
| 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 64). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Cochran leads on 4 and Vidalia Federal Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.