The Merchants & Citizens Bank
Mcrae, GA
IDRSSD: 784430
Total Assets
$137.63M
Latest filing
Total Deposits
$121.21M
Latest filing
Net Interest Margin
3.27%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Merchants & Citizens Bank
6 College St
Mcrae, GA 31055
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/23/1929FDIC Certificate 145
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The Merchants & Citizens Bank (Main) | 6 College St | Mcrae, GA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/23/1929 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31055 |
| State and County Number | 13271 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.merchantsandcitizensbank.com |
| Data Updated | 01/30/2026 |
| CERT | 183 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $137.63M |
| Total Deposits | $121.21M |
| Total Liabilities | $123.15M |
| Total Equity Capital | $14.48M |
| Net Income | $-139,000 |
| Net Loans and Leases | $49.85M |
| Assets Per Employee ($Millions) | $7.24M |
| Bank Premises and Fixed Assets | $426.00k |
| Cash and Balances due from Depository Institutions | $5.99M |
| Deposits Held in Domestic Offices | $121.21M |
Key Performance Ratios
| Return on Assets (ROA) | -0.4% |
| Return on Equity (ROE) | -3.87% |
| Net Interest Margin | 3.27% |
| Efficiency Ratio | 96.31% |
| Tier 1 Risk-Based Capital Ratio | 22.576% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.39% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.521% |
| Earning Assets to total Assets | 91.27% |
Income and Expense
| Total Interest Income | $1.47M |
| Total Noninterest Income | $67.00k |
| Total Interest Expense | $421.00k |
| Total Noninterest Expense | $1.07M |
| Net Interest Income | $1.04M |
| Pre-tax Net Operating Income | $-94,000 |
| Provision for Credit Losses | $135.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.94M |
| Total Liabilities and Capital | $137.63M |
Securities
| Securities | $70.35M |
| Available-for-sale debt securities | $70.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Merchants & Citizens Bank?
$137.63M as of the latest filing.
How much are The Merchants & Citizens Bank's total deposits?
$121.21M in total deposits.
Where is The Merchants & Citizens Bank located?
Mcrae, GA.
What is the Net Interest Margin?
3.27%.
How many domestic offices does it operate?
1.
When was it established?
02/23/1929.
What is the Return on Assets (ROA)?
-0.4%.
How much are total loans and leases?
$49.85M (latest filing).
What is the total interest income (latest filing)?
$1.47M.