Is Citizens Bank of Cochran Safe?
Citizens Bank of Cochran has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (50/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.15% | 100/100 |
| Nonperforming Loan Ratio | 0.10% | 98/100 |
| Liquidity Ratio | 17.49% | 50/100 |
| Return on Assets | 2.42% | 100/100 |
| Total Assets | $0.2B | |
How does Citizens Bank of Cochran compare?
With a Bank Health Score of 87/100, Citizens Bank of Cochran sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Citizens Bank of Cochran ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 18.15% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.10% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Bank of Cochran's Bank Health Score fell by 6.0 points to 87/100. Tier 1 capital strengthened by 0.60 percentage points to 18.15%. Quarter-over-quarter, the score rose by 2.0 points.
Citizens Bank of Cochran has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (50/100).