Total Assets
$138M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$121M
Customer-funded liabilities
Net Loans
$50M
Outstanding loan book
Net Income
$576K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
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
22.58%
Texas Ratio
2.03%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.41%
Return on Equity (ROE)
4.45%
Efficiency Ratio
83.37%
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. It holds $138M in total assets - 3,457th of 4,313 FDIC-insured banks, $121M in customer deposits, and $50M in net loans. Capital-wise, the Tier 1 ratio sits at 22.58%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.03%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Merchants & Citizens Bank is a community-scale institution -- 112th of 129 FDIC-insured banks headquartered in Georgia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Georgia by total assets
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.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Merchants & Citizens Bank's health grade?▼
The Merchants & Citizens Bank receives a health grade of B (67/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is The Merchants & Citizens Bank?▼
The Merchants & Citizens Bank holds $138M in total assets and $121M in deposits, ranking 3,457th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mcrae, Georgia.
Is my money safe at The Merchants & Citizens Bank?▼
Yes, deposits at The Merchants & Citizens Bank (Certificate #183) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Merchants & Citizens Bank's Tier 1 Capital Ratio?▼
The Merchants & Citizens Bank has a Tier 1 Capital Ratio of 22.58%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Merchants & Citizens Bank?▼
The Merchants & Citizens Bank has a Texas Ratio of 2.03%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Merchants & Citizens Bank?▼
The Merchants & Citizens Bank has an Efficiency Ratio of 83.37%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Merchants & Citizens Bank's profile as a depositor or analyst.
- The Merchants & Citizens Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Merchants & Citizens Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.