The Citizens Bank of Cochran: how it compares with its peers
Against 56 GA banks with half to twice its assets, The Citizens Bank of Cochran's strongest measure in Q2 2026 is net interest margin (5.62% vs. a 4.46% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $6.9M).
| Measure | The Citizens Bank of Cochran | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.51% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.62% | 4.46% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.87% | 60.25% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.9M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.19% | 75.34% | Context |
What it means for lending operations
Its efficiency ratio of 51.87% is better than the 60.25% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Magnolia State Bank Eastman, GA · $199M
- Legacy State Bank Loganville, GA · $206M
- Peoples Bank Lyons, GA · $192M
- Vidalia Federal Savings Bank Vidalia, GA · $212M
- The Geo. D. Warthen Bank Sandersville, GA · $190M
- Bank of Camilla Camilla, GA · $188M
Questions about The Citizens Bank of Cochran
How big is The Citizens Bank of Cochran?
The Citizens Bank of Cochran, established in 1934, is headquartered in Cochran, GA. It reported $201M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Citizens Bank of Cochran's return on assets?
2.01% annualized in Q2 2026, against a 1.51% median for 56 GA banks with half to twice its assets, ahead of 77% of them.
What is The Citizens Bank of Cochran's efficiency ratio?
51.87% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 60.25%, and lower is better.
Is The Citizens Bank of Cochran growing its loans?
Net loans grew 2.9% over the year to Q2 2026, while deposits grew 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.