🏦Bank Scorer

This institution is no longer active

Operations ceased on October 1, 2025. CRA examination history below reflects the period it was active.

STATE BANK OF COCHRAN

COCHRAN, GA · Supervised by FDIC

Est. 1922FDIC #872RSSD: FDIC-872
Part ofCENTRAL GEORGIA BANKING CO→ View all charters
Satisfactory Same

Current rating · Exam: March 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 3.71%

Institution Profile

FDIC BankFind

Address

112 E Beech St, COCHRAN, GA

County

Bleckley County

Established

January 5, 1922

Total Assets

$265M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2025Call Report / FDIC

Total Assets

$265M

Total Deposits

$240M

Net Loans

$151M

Net Income

$7M

ROA

3.71%

ROE

26.14%

Risk-Based Capital

16.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$218M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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