The Merchants & Citizens Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Merchants & Citizens Bank of McRae, GA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.88% | 1.34% | -0.46% | 27th below |
| ROAE | 8.91% | 13.32% | -4.41% | 30th below |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 70.02% | 61.13% | +8.89% | 28th below |
| PPNR / Avg Assets | 0.89% | 1.68% | -0.79% | 17th bottom |
| Yield on Earning Assets | 4.41% | 5.67% | -1.26% | 7th bottom |
| Cost of Funds | 1.13% | 1.88% | -0.75% | 87th top |
| Net Interest Spread | 2.74% | 3.32% | -0.58% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | 0.21% | 0.16% | +0.05% | 12th bottom |
| ACL / Total Loans | 2.20% | 1.28% | +0.92% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 657.87% | 1546.26% | -888.39% | 76th top |
| Texas Ratio | 1.69% | 7.34% | -5.65% | 66th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 173.17% | 1395.13% | -1221.96% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.90% | 19.48% | +3.42% | 85th top |
| Tier 1 Ratio | 22.90% | 19.52% | +3.38% | 85th top |
| Total Capital Ratio | 24.15% | 20.60% | +3.55% | 85th top |
| Leverage Ratio | 13.24% | 12.14% | +1.10% | 77th top |
| Equity / Assets | 10.25% | 11.36% | -1.11% | 49th below |
| TCE / Tangible Assets | 8.43% | 11.08% | -2.65% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.36% | 80.67% | -39.31% | 95th top |
| Core Deposit Ratio | 89.21% | 86.85% | +2.36% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.88% | 6.84% | -7.72% | 15th bottom |
| Loan Growth (Y/Y) | 5.27% | 7.92% | -2.65% | 49th below |
| Deposit Growth (Y/Y) | -2.75% | 6.29% | -9.04% | 11th bottom |
See The Merchants & Citizens Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Merchants & Citizens Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Merchants & Citizens Bank profile, how to read a UBPR, or how this data updates.