FDIC Cert #183 · Mcrae, Georgia · Est. 1929

The Merchants & Citizens Bank - FDIC Bank Health Profile

A community-scale look at The Merchants & Citizens Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$138M
Total assets
B
Health grade · Good
0.41%
Return on assets
22.6%
Tier 1 capital

Data updated July 2026

The verdict

The Merchants & Citizens Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 22.58% Tier 1, 0.41% ROA, 83% efficiency ratio.

#3,457
largest of 4,313 FDIC banks by assets
20th
percentile by asset size, nationally
22.58%
Tier 1 ratio - above the 10% well-capitalized line
13th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 183 · GA B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3261/4307
  • PHOTO-FINISH Warren Bank and Trus… · AR
  • TIER1-WELL 22.6% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-THIN 0.41% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: Warren Bank and Trust Company, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Merchants & Citizens Bank

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Hindman · KY · near67/100Root River State Bank · MN ·…67/100The Merchants & Citi… · GA ·…67/100The Peoples Bank · OH · near67/100Warren Bank and Trus… · AR ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Merchants & Citizens Bank · July 2026

Call Report read for The Merchants & Citizens Bank in a high-failure state

The Merchants & Citizens Bank (FDIC Cert #183) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,261 of 4,307. Tier 1 capital prints at 22.58%, clearing the 10% well-capitalized line. The Texas Ratio is 2.03%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.41%. Balance-sheet scale is $138M, 3,457th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Warren Bank and Trust Company (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Merchants & Citizens Bank

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

The Merchants & Citizens Bank sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about The Merchants & Citizens Bank's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How The Merchants & Citizens Bank's 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
The Merchants & Citizens Bank's composite health score
Tier 1 Capital Ratio (22.58%) 40/40
Return on Assets (ROA) (0.41%) 7/25
Texas Ratio (2.03%) 20/20
Efficiency Ratio (83.37%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$138M

Total balance-sheet footings

Total Deposits

$121M

Customer-funded liabilities

Net Loans

$50M

Outstanding loan book

Net Income

$576K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 21.18% 22.58% 23.98%
Basel III capital ratios - The Merchants & Citizens Bank

Where The Merchants & Citizens Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Merchants & Citizens Bank's score of 67/100 falls in the highlighted band.

The Merchants & Citizens Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Merchants & Citizens Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Merchants & Citizens Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Merchants & Citizens Bank's $138M falls in the highlighted band.

Capital & credit buffers at The Merchants & Citizens Bank

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
22.58%
Texas Ratio
2.03%
Equity Capital
$14M

What these ratios mean →

Profitability metrics: The Merchants & Citizens Bank

Return on Assets (ROA)
13th percentile nationally
0.41%
Return on Equity (ROE)
4.45%
Efficiency Ratio
83.37%

What these mean →

Income & expense at The Merchants & Citizens Bank

$6M
Interest Income
$301K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Merchants & Citizens Bank reports a Texas Ratio of 2.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Merchants & Citizens Bank on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($138M here), outside Georgia so the neighborhood is not state containment.

River Falls State Bank $138M · WI First Federal Savings Bank of Angola $138M · IN State Bank of Cherry $138M · IL First State Bank of Brownsboro $138M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Merchants & Citizens Bank (FDIC Cert #183) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

The Merchants & Citizens Bank Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
Ameris BankAtlanta $27.4B A 1.64%
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%