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The Citizens Bank Of Cochran

Cochran, GA · Est. 1934 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

The Citizens Bank Of Cochran is a bank based in Cochran, Georgia, established in 1934, with $205 million in total assets across 2 branches. By Trust Grade it ranks 14th of 124 banks we track in Georgia. Its capital ratio of 14.0% is stronger than 86% of similarly sized banks, versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 1.95% return on assets. No consumer complaints against The Citizens Bank Of Cochran appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$205.4M
$100M–1B institution
Deposits
$173.9M
Branches
2
Capital ratio
14.0%
Top 14% of $100M–1B peers · Georgia median 10.5%
Return on assets
1.9%
Top 14% of $100M–1B peers · Georgia median 1.53%
Rank in Georgia
#14
of 124 banks

How The Citizens Bank Of Cochran compares to Georgia peers

Capital ratio
Top 14% of $100M–1B peers
The Citizens
14.0%
Georgia median
10.5%
Higher capital ratio = stronger financial cushion
Return on assets
Top 14% of $100M–1B peers
The Citizens
1.9%
Georgia median
1.5%
Higher ROA = more profitable relative to asset base

How we graded The Citizens Bank Of Cochran

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (14.0% capital ratio)
  • Strongly profitable (ROA 1.95%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The Citizens Bank Of Cochran over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (2)

  • 124 E Dykes St, Cochran, GA 31014
  • 605 Bellevue Ave, Dublin, GA 31021

Are deposits at The Citizens Bank Of Cochran insured?

Yes. The Citizens Bank Of Cochran is an FDIC-insured bank (FDIC certificate #16275). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The Citizens Bank Of Cochran: frequently asked questions

Is The Citizens Bank Of Cochran a good bank?

The Citizens Bank Of Cochran earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.0% capital ratio); Strongly profitable (ROA 1.95%).

Is The Citizens Bank Of Cochran FDIC-insured?

Yes. The Citizens Bank Of Cochran is a FDIC-insured bank (FDIC certificate #16275). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The Citizens Bank Of Cochran?

The Citizens Bank Of Cochran holds $205 million in total assets, ranking 14th of 124 banks we track in Georgia. It operates 2 branches.

Does The Citizens Bank Of Cochran have CFPB complaints?

No CFPB complaints against The Citizens Bank Of Cochran appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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