# CITIZENS BANK OF COCHRAN
COCHRAN, GA · FDIC certificate 16275 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $201.4M | |
| Deposits | $169.1M | |
| Loans and leases | $168.7M | |
| Total equity | $29.7M | |
| Loans / deposits | 98.19% (p90 of band) | 73.59% |
| Liquid assets / assets | 15.10% (p12 of band) | |
| Uninsured deposits / deposits | 15.58% (p34 of band) | 19.81% |
| Brokered deposits | 1.49% | |
| Wholesale funding | 1.49% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.76% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -2.34% (p69 of band) | -6.57% |
| AOCI / equity | -0.28% (p55 of band) | |
| ROA (annualized) | 2.01% (p86 of band) | 1.17% |
| Net interest margin | 5.62% (p97 of band) | 3.93% |
| Efficiency ratio | 51.87% (p17 of band) | |
| Noncurrent loans | 0.33% (p48 of band) | 0.36% |
| Net charge-offs (annualized) | 0.14% (p89 of band) | |
| Reserve coverage of noncurrent | 478.00% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 132.06% (p97 of band) | |
| Auto loans | $2.2M (1.29% of loans; DQ 1.11%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2012-03 | 4 | capital falling |  |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 5 | expense ratio p90, reserve under noncurrent |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 6 | charge-offs p90 |  |
| 2013-06 | 4 |  | losing money, capital falling |
| 2013-09 | 6 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 5 | losing money | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 | capital falling | noncurrent p90, reserve under noncurrent |
| 2015-03 | 1 | uninsured deposits leaving | expense ratio p90, charge-offs p90, losing money, capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | deposits shrinking, assets shrinking |  |
| 2016-03 | 1 |  | uninsured deposits leaving, assets shrinking |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 2 | expense ratio p90, charge-offs p90 | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling, losing money | charge-offs p90 |
| 2018-03 | 1 |  | expense ratio p90, losing money |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | construction >100% equity | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 0 |  | construction >100% equity, capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | construction >100% equity |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | uninsured deposits leaving |  |
| 2024-12 | 1 |  | uninsured deposits leaving |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | uninsured deposits leaving |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 1 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-15 [Putnam Greene Financial Corporation partners Jack Henry for core processing platform - FinTech Futures](https://news.google.com/rss/articles/CBMirwFBVV95cUxPYkpndHFJdHBhVnlYOVZNakxxaUZHVlRDOUpXZE83cUhTU3pLQ3h6TWtFX2IxSEM5Nkk0b2RIZnRLVEMxaE4zeEV3cWRnT29OMUtyb0l0U0s0LURCMnhYWGc0cFRyYlZLZG54a1hvWE56TUpOeEhwNlVseFJRYVlweDRpektIOUV2RVQ0SXFDMkJGUTctT2xuNm9NTFVfQVpoR2FpaVcwUTFEeW5URnY4?oc=5) · FinTech Futures
- 2025-09-14 [Kelly Stone Named Chair-Elect of Community Bankers Association of Georgia Board of Directors - The Baxley News-Banner](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNbnI5TTBaTjdEVzA3UGt6eVFUbklpVDh2ZFJTV2xiX0RWZEpCeW1zR0lMM3NsalhSSkVVbUZUQS1ZVVJqUVVLaFppYjJVN3RBNFppZHpRSU9WTFRYQTJRS2pfRV9sdDB4SXhyelAzQVBnTW5HNWJjUDdvQ0poU3RKOTVDRzFKQmZKRUVlaXVYdFR0aEVONlV1X2RoRnFHdE1mUlNGcEpJMHNGV1lQMGlVTjVvTF9TdnRZMEJBenRMdThvVFNDU3F2RVp1dHBTckpHNDk0?oc=5) · The Baxley News-Banner
- 2025-04-20 [Patricia Smith Daniels Obituary (2025) - Cochran, GA - Mathis Funeral Home, Inc. - Cochran - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxORVZBNkJnejlfX2psdVVzb2JmYVZVVWdxYVMxV0duR0dDWTl1aENkdXlZSkNpZ1dZQVlReFNNWUJHNWd0V1pDQ3hpWVNZMHJ5bXlrTDFmMGVFa1BrMUc2OFE3SjI2M0NnWHBuc1c1dlRLWkVLZXNqZFlmamhhWHVxdmdzbHdyUQ?oc=5) · legacy.com
- 2008-03-06 [Linda Faulk Obituary (2008) - Cochran, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUHBLMzRKNUExeFlDTDhTa19mdnd3OWR3VFdzYXJKeFFES0xaOF83allMaTdSMXYxZWdfV2pCa181VHVZczVfUS16NENRempHZG5FOGRrdzZLM2ZCeVZOV2s4NTJSUlhrX2YxN0VNdklVMWdWWEszbVVLRnA5eng1ZzRxLWFCQXM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16275 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "16275", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide