Total Assets
$138M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The Merchants & Citizens Bank — FDIC Bank Health Profile
Mcrae, Georgia · Est. 1929. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #183 Atlanta Region
D
Health grade
Weak
Score: 47/100
Basel III capital ratios — The Merchants & Citizens Bank
Total Deposits
$121M
Customer-funded liabilities
Net Loans
$50M
Outstanding loan book
Net Income
$576K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
22.58% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
22.58%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$14M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.41%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
4.45%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
83.37%
Income & Expense Breakdown
$6M
Interest Income
$301K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
The Merchants & Citizens Bank is FDIC-insured (Certificate #183). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The Merchants & Citizens Bank
The Merchants & Citizens Bank is an FDIC-insured institution (Certificate #183) headquartered in Mcrae, Georgia, established in 1929. The bank currently holds $138M in total assets and $121M in customer deposits, with $50M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The Merchants & Citizens Bank reports a Tier 1 Capital Ratio of 22.58% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $14M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.41% and a Return on Equity of 4.45%, with an Efficiency Ratio of 83.37% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (47/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The Merchants & Citizens Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Georgia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The Merchants & Citizens Bank (FDIC Cert #183) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris Bank Atlanta | $27.4B | B | 1.64% |
| RBC Bank, (Georgia) National Association Atlanta | $8.0B | A | 2.48% |
| Metro City Bank Doraville | $4.7B | A | 1.80% |
| Colony Bank Fitzgerald | $3.7B | C | 0.92% |
| Georgia Banking Company Atlanta | $2.7B | C | 0.99% |
| United Bank Zebulon | $2.3B | A | 2.66% |
| Pinnacle Bank Elberton | $2.3B | C | 1.29% |
| Queensborough National Bank & Trust Company Louisville | $2.2B | C | 1.05% |
Frequently Asked Questions
What is The Merchants & Citizens Bank's health grade? ▼
The Merchants & Citizens Bank receives a health grade of D (47/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is The Merchants & Citizens Bank? ▼
The Merchants & Citizens Bank holds $138M in total assets and $121M in deposits. It is headquartered in Mcrae, Georgia.
Is my money safe at The Merchants & Citizens Bank? ▼
Yes. The Merchants & Citizens Bank is FDIC-insured (Certificate #183). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The Merchants & Citizens Bank's Tier 1 Capital Ratio? ▼
The Merchants & Citizens Bank has a Tier 1 Capital Ratio of 22.58%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The Merchants & Citizens Bank? ▼
The Merchants & Citizens Bank has an Efficiency Ratio of 83.37%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.