The Merchants & Citizens Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Commercial and industrial: 1.13 percentage points higher than in Q1 2026, at 21.67%. The Merchants & Citizens Bank has the 9th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 41.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Merchants & Citizens Bank sits 39.48 points lower, at 41.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $53.2M |
| Net loans and leases | $52.1M |
| Loans held for sale | $0 |
| Loans to total assets | 36.46% |
| Loan-to-deposit ratio | 41.36% |
| Net loans to equity capital | 3.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.29% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 21.67% |
| Consumer | 8.25% |
| Credit cards | 0.00% |
| Farm | 4.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.88% |
| Construction concentration (Tier 1 capital + allowance) | 39.54% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.32% |
| Interest income on loans | $963K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $38.7M | $113.3M | 14.84% | 12.33% | 10.58% |
| Q4 2023 | $37.5M | $110.0M | 14.87% | 13.59% | 11.65% |
| Q1 2024 | $38.2M | $115.9M | 14.45% | 11.74% | 11.39% |
| Q2 2024 | $42.3M | $122.5M | 13.83% | 12.83% | 10.60% |
| Q3 2024 | $43.9M | $117.7M | 14.34% | 14.99% | 10.08% |
| Q4 2024 | $44.2M | $121.4M | 14.43% | 15.85% | 9.72% |
| Q1 2025 | $45.8M | $127.2M | 14.33% | 17.30% | 9.42% |
| Q2 2025 | $50.6M | $132.4M | 12.07% | 15.84% | 8.45% |
| Q3 2025 | $50.9M | $125.2M | 12.88% | 17.15% | 8.44% |
| Q4 2025 | $51.0M | $121.2M | 13.06% | 17.04% | 8.42% |
| Q1 2026 | $53.3M | $132.0M | 12.40% | 20.54% | 8.05% |
| Q2 2026 | $53.2M | $128.7M | 12.29% | 21.67% | 8.25% |
The Merchants & Citizens Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Merchants & Citizens Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Merchants & Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 183) · FFIEC NIC profile (RSSD 784430)