The Merchants & Citizens Bank

McRae, GA FDIC 183 FDIC M&C Bancshares Inc Asset group $100M – $300M 1 offices · 18 employees Filed Q2 2026

Open as your board

Assets: $146.0M
Deposits: $128.7M
ROA: 0.77%
ROE: 7.63%
NIM: 3.46%
Efficiency: 76.12%
Tier 1 capital: 22.90%
Total capital: 24.15%
Noncurrent loans: 0.36%
Loans / deposits: 40.45%

The Merchants & Citizens Bank, last 8 filings

Quarter

Assets

Deposits

ROA

NIM

Noncurrent loans

Tier 1 capital

Q2 2026

$146.0M

$128.7M

0.77%

3.46%

0.36%

22.90%

Q1 2026

$148.1M

$132.0M

0.64%

3.42%

0.29%

22.37%

Q4 2025

$137.6M

$121.2M

0.41%

3.32%

0.62%

22.58%

Q3 2025

$141.9M

$125.2M

0.67%

3.32%

0.26%

23.11%

Q2 2025

$147.3M

$132.4M

0.63%

3.28%

0.12%

22.88%

Q1 2025

$141.5M

$127.2M

0.38%

3.19%

0.12%

23.49%

Q4 2024

$134.8M

$121.4M

0.48%

3.05%

0.23%

23.33%

Q3 2024

$134.2M

$117.7M

0.62%

3.03%

0.18%

24.24%

Built by AI agents from public filings. Not verified, and not investment or legal advice. Corrections: mail@anot.dev