Bank call report · McRae, GA
The Merchants & Citizens Bank Call Report
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The Merchants & Citizens Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 288 reported line items, schedule by schedule (764 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 784430 |
| FDIC certificate number | 183 |
| Total assets | $146.0M |
Official Q2 2026 call report PDF (FFIEC) →
The Merchants & Citizens Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · The Merchants & Citizens Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $146.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $146.0M |
| Total Liabilities and Minority Interest | RCON2948 | $131.0M |
| Total Deposits | RCON2200 | $128.7M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $87.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $75.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $53.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $52.1M |
| Deposits: Noninterest-bearing | RCON6631 | $41.3M |
| Total Equity Capital | RCON3210 | $15.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $15.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $11.0M |
| Surplus | RCON3839 | $9.8M |
| Other Assets | RCON2160 | $8.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$7.1M |
| Interest-bearing Balances | RCON0071 | $5.8M |
| Goodwill | RCON3163 | $2.9M |
| Intangible Assets | RCON2143 | $2.9M |
| Other Liabilities, Total | RCON2930 | $2.3M |
| Common Stock | RCON3230 | $1.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $466K |
Schedule RI: Income Statement (36 items)
About Schedule RI · The Merchants & Citizens Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $3.0M |
| Net Interest Income | RIAD4074 | $2.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.9M |
| Total Noninterest Expense | RIAD4093 | $1.9M |
| Salaries and Employee Benefits | RIAD4135 | $918K |
| Other Noninterest Expense | RIAD4092 | $854K |
| Total Interest Expense | RIAD4073 | $757K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $694K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $645K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $553K |
| Net Income (Loss) | RIAD4340 | $553K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $553K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $512K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $512K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $504K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $481K |
| Interest on Other Securities | RIAD4060 | $481K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $350K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $343K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $210K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $200K |
| Total Noninterest Income | RIAD4079 | $164K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $146K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $135K |
| Other Noninterest Income | RIADB497 | $133K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $86K |
| Provision for Loan and Lease Losses | RIAD4230 | $71K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $71K |
| Applicable Income Taxes | RIAD4302 | -$41K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $37K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $35K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $29K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $14K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$4K |
| Other Interest Income | RIAD4518 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 18 |
Schedule RC-B: Securities (21 items)
About Schedule RC-B · The Merchants & Citizens Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $84.5M |
| Pledged Securities | RCON0416 | $47.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $45.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $39.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $29.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $25.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $23.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $17.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $13.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $12.3M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $12.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $12.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $5.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $4.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $2.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.1M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $849K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $847K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $132K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $122K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · The Merchants & Citizens Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $53.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $18.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $18.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $11.8M |
| Commercial and Industrial Loans | RCON1766 | $11.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $7.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $7.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $7.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $5.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $4.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $4.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $4.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $3.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $2.6M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $1.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $624K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $522K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $381K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $117K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $104K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $33K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $33K |
| Other Loans | RCONJ464 | $13K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $4.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $851K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $800K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $622K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $514K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $402K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $327K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $115K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 134 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 32 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 25 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 19 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 14 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 12 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 12 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 8 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 2 |
Schedule RC-E: Deposit Liabilities (21 items)
About Schedule RC-E · The Merchants & Citizens Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $70.8M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $57.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $47.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $43.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $41.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $29.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $27.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $21.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $16.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $13.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $13.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $13.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $10.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $8.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $7.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $7.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $6.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $5.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.1M |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $3.1M |
| Net Deferred Tax Assets | RCON2148 | $2.6M |
| Other Assets | RCON2168 | $1.5M |
| Accrued Interest Receivable | RCONB556 | $882K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $97K |
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · The Merchants & Citizens Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $146.3M |
| Quarterly Average of Total Loans | RCON3360 | $52.6M |
| All Other Securities | RCONB560 | $46.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $30.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $30.4M |
| Mortgage-backed Securities | RCONB559 | $26.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $19.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $17.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $13.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $13.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $11.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $11.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $7.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.3M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · The Merchants & Citizens Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $987K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $899K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $488K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $15K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · The Merchants & Citizens Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $998K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (16 items)
About Schedule RC-N · The Merchants & Citizens Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $682K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $156K |
| Additions to Nonaccrual Assets | RCONC410 | $145K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $145K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $91K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $78K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $56K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $46K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $39K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $37K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $37K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $20K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $8K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The Merchants & Citizens Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $145.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $128.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $63.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $59.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $18.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,199 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 164 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 81 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · The Merchants & Citizens Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · The Merchants & Citizens Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $146.3M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $143.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $82.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $20.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $19.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $19.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $19.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $15.0M |
| Retained Earnings | RCOAKW00 | $11.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $11.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$7.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$7.1M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $3.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.0M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $169K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2415 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.229 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.229 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1615 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1324 |
Schedule RC-R, Part II: Risk-Weighted Assets (40 items)
About Schedule RC-R, Part II · The Merchants & Citizens Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $82.9M |
| Total Risk-weighted Assets | RCONG641 | $82.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $75.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $64.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $64.4M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $45.6M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $43.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $43.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $43.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $34.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $34.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $32.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $32.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $32.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $26.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $18.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $18.7M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $12.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $12.0M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $12.0M |
| Total All Other Assets | RCOND981 | $11.6M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$8.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $8.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$7.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $6.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $6.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $6.6M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $3.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $2.4M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $849K |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $388K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $195K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $170K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $113K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $113K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $113K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $113K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $97K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $97K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $97K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $15.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $14.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $14.5M |
| Other Comprehensive Income | RIADB511 | -$62K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $10K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · The Merchants & Citizens Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $43K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $30K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $13K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $2K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The Merchants & Citizens Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $43K |
The Merchants & Citizens Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Merchants & Citizens Bank call report?
The The Merchants & Citizens Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Merchants & Citizens Bank file?
The Merchants & Citizens Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Merchants & Citizens Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Merchants & Citizens Bank has Federal Reserve RSSD ID 784430 and FDIC certificate number 183. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Merchants & Citizens Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Merchants & Citizens Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 183) · FFIEC NIC profile (RSSD 784430)