BlastPoint's Banking Scorecard
The Citizens Bank of Cochran
Designations: ✓ Community bank
Cochran, GA
The Citizens Bank of Cochran demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.60% above tier
- + Efficiency Ratio 19.07% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$202.9M
+3.7% YoY
+1.0% QoQ
|
-$14.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$163.6M
+10.4% YoY
+0.6% QoQ
|
+$24.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$172.6M
+0.8% YoY
+0.5% QoQ
|
-$11.0M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
1.91%
+9.9% YoY
-4.0% QoQ
|
+0.83% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
5.45%
+10.2% YoY
-0.2% QoQ
|
+1.60% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
48.66%
-4.3% YoY
+0.8% QoQ
|
-19.07% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
1.16%
+110.6% YoY
+62.1% QoQ
|
+0.52% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
94.76%
+9.6% YoY
+0.1% QoQ
|
+20.23% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.68%
+2.2% YoY
+1.6% QoQ
|
-7.71% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
1.08%
+116.0% YoY
+87.0% QoQ
|
+0.63% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
19.75%
+7.8% YoY
+1.5% QoQ
|
+10.90% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.30%
+13.3% YoY
+48.3% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (2)
Net Interest Margin
metricNet Interest Margin is in the top decile of tier peers. The spread between loan yields and funding costs is well above peers - a structural earnings advantage if it persists.
Efficiency Ratio
metricEfficiency Ratio is in the top decile (lowest costs) of tier peers. Operating costs as a share of revenue are well below peers - operating leverage is a real advantage here.
Concerns (0)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%