MERCHANTS & CITIZENS BANK, THE is asn small FDIC-insured commercial bank headquartered in MCRAE, GA, established in Feb. 23, 1929, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $121M. Profitability stands at -0.40% ROA and -3.87% ROE, with a net interest margin of 3.25%. The bank's CET1 capital ratio is 22.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 0.72%. FDIC Certificate #183.
Assets
$138M
Deposits
$121M
Loans
$51M
Equity
$14M
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