Advertisement
The Merchants & Citizens Bank
Mcrae, GA · FDIC Certificate #183 · Chartered 02/2
Total assets
$145.99M
Total deposits
$128.72M
Total equity
$14.96M
Net loans
$52.06M
Branches (offices)
1
Net income (YTD)
$553.00K
Rank: #3,338 of 4,213 U.S. banks by assets · #104 of 123 in Georgia. Assets changed -0.9% and deposits -2.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 7.63% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 13.24% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 40.4% |
| Real estate loans (share of loans) | 69.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $35.98M | 69.1% | |
| Commercial & industrial | $11.53M | 22.2% | |
| Consumer / individual | $4.39M | 8.4% | |
| Construction & development | $7.96M | 15.3% | |
| Agricultural | $1.32M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $133.59M | $119.26M | $2.43M | $12.40M |
| Jun 2023 | $131.04M | $117.12M | $432.00K | $11.76M |
| Jun 2024 | $136.51M | $122.46M | $380.00K | $11.78M |
| Jun 2025 | $147.29M | $132.35M | $443.00K | $12.54M |
| Jun 2026 | $145.99M | $128.72M | $553.00K | $14.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $128.72M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $128.72M.
Similar-sized banks
The First State Bank Of Rosemount ($146.09M) · Exchange State Bank ($145.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement