# STATE BANK OF COCHRAN
COCHRAN, GA · FDIC certificate 872 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $264.6M | |
| Deposits | $240.5M | |
| Loans and leases | $156.1M | |
| Total equity | $21.5M | |
| Loans / deposits | 62.80% (p34 of band) | 72.79% |
| Liquid assets / assets | 40.95% (p65 of band) | |
| Uninsured deposits / deposits | 27.77% (p76 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.14% (p4 of band) | 11.81% |
| Unrealized securities loss / equity | -0.69% (p77 of band) | -7.16% |
| AOCI / equity | 0.12% (p18 of band) | |
| ROA (annualized) | 3.71% (p97 of band) | 1.07% |
| Net interest margin | 6.16% (p98 of band) | 3.81% |
| Efficiency ratio | 42.77% (p5 of band) | |
| Noncurrent loans | 1.43% (p80 of band) | 0.35% |
| Net charge-offs (annualized) | 0.05% (p78 of band) | |
| Reserve coverage of noncurrent | 229.76% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 54.30% (p81 of band) | |
| Auto loans | $10.1M (6.44% of loans; DQ 1.57%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.1% | |
| Employees | 48 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | charge-offs p90 |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | charge-offs p90 |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | charge-offs p90 | assets shrinking |
| 2014-06 | 5 | noncurrent p90, assets shrinking |  |
| 2014-09 | 2 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | noncurrent p90 |  |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 0 |  | noncurrent p90, charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | noncurrent p90 |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | noncurrent p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | noncurrent p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | capital falling, reserve under noncurrent |  |
| 2021-06 | 1 |  | capital falling, reserve under noncurrent |
| 2021-09 | 0 |  | noncurrent p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | charge-offs p90 | deposits shrinking |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | charge-offs p90 |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |

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

- 2026-02-28 [Mary Ann Daniels Obituary Feb 28, 2026 - Newcomer Kentuckiana](https://news.google.com/rss/articles/CBMia0FVX3lxTE9ON2JTcHo0SURTTWpzRWFDX1lxdW4zTE5BRVVJcmlmVEM3VUxocGZscmY5eU90SGhlQnFuTEZiTjNZUVpMYkdXYldrNjNyWEpPZU5kbEYyLU5uNHVJZEQyZm9ZSWFvRnNUTVk4?oc=5) · Newcomer Kentuckiana
- 2024-11-25 [20 community banks with the highest returns on average assets as of 2024 - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxPamZFUzY4eHI5NVNlMkxwb2ZDR2xJX1JLb2JYLTZlekFPYXNiWVFEVVlZa0poV1k5UU9STDBmQ25hTXFaNDJKVDdtNFlhNGUyU3NrYUtJdGJKZkhiOTB3NC14aEc5ejQya1Z2Nm96cHBfeDc0em9TRHZGTjVVcDFKNno0Z2N0UkpnSTVoNG5mY2ZwdXVvOE1qRlFNbTRyTkdOTmU4azhVajU4NzN6?oc=5) · American Banker
- 2026-05-25 [BankSouth migrates core to FIS Horizon - FinTech Futures](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOEp0bFRuWkF5NzZDSGZvWmRxZnRLQ0Y0X2tVLVJrbF9XYXJzYUtqdmppZUJGY2JnWTR2VVp4blA4Qk5GeGszLUtfQ3FrTk5CTF85Zzlicm9pV1NxLWpNc3JTMlZjSFNrQ1c1UG9KRzFZZEV1dWVuX3dzQlYxMUtxdkZCSHN4TmsyRE83NEdn?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
- 2025-11-07 [BankSouth announces appointment of John Phillips to board of directors - Lake Oconee Breeze](https://news.google.com/rss/articles/CBMisAFBVV95cUxPWHpRanNTd3BjcURKNXliNUVwOV93dk1FX09fNzhnODdMTVRLYUVkaHA3VTE0QURfOUNjQ1A5Nkl2dUkzNWxheF9aeWxYTVZabFRsOV9BTC1tTlZUZlRxaENDSEZHdTQ2andEZUJ0clZLcFZPUGNXMUJObzlUWUVJVDVpM3paaGNfa1NkYXJITE5NT3FFZjZpOXNjUzFrNWJnWGhub2N0RTQ1TU9WYUtDRA?oc=5) · Lake Oconee Breeze
- 2026-02-11 [Banking Industry Outlook: U.S. Banking M&A Caps Off a Historic 2025 - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRzZvazJ1ZFF0YXowU21fOHdGa2Znd3dZdHAxZWRrWnlweWc5Q2VYQmVrLThoalZ5UTFCVUluWXk5YWJ0ZTJhQTlxSThQTUlzWHY0dmx6WmgtXzYxM2JKM2FxRjJFUVBYZ0RxX3pIbVF4cU4tYXR0UEpxV183VU5hN1pKcWlZMGR3?oc=5) · JD Supra
- 2026-08-27 [James Gregory "Greg" Jarrell Obituary (2026) - Cochran, GA - Mathis Funeral Home, Inc. - Cochran - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPRUh2QjBSNmpNX1J5MkliYlpiLTZ6ODA2d3Q1elBxdFVnTm9sQzFEcXJaa0UtbjZsZWhINThiTjZNSEZrbzZlSWh3T2JFbk1BWDlJT2FjYU44NUNidER6aGt5MTlLbHcwZExRVEtLVnJsUjZqVTNScTVxU3BnWkpqUVFtOTQxNHNBQjYwbU90TGU3NVE?oc=5) · legacy.com
- 2026-07-01 [Cochran Chamber & DDA to co-host July 4th extravaganza this Saturday - Courier Herald Today](https://news.google.com/rss/articles/CBMifEFVX3lxTFBtaTR4UVZ0SzV1aEFSREVVMGJTbEdOT2RiOWJ1dHFxcG5JQ1lIRUlWcFJVb0ZOSzlKVkhsb1lDXzd2aTU3R3BUMURscnlQQ2JhYXhYN0Q0Wjd0bHZnelhiZENLbjNsbTc1WHc2Y2dXZmk3VDd2TjJfZjZLQi0?oc=5) · Courier Herald Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=872 (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/40.json (key "872", 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