The Merchants & Citizens Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 138.71 percentage points in Q2 2026, from 796.58% to 657.87%. It was the largest change from Q1 2026 among the key lines here. The Merchants & Citizens Bank ranks 100th of 121 Georgia banks on return on assets, in the lower half at 0.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Merchants & Citizens Bank sits 0.37 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.90% |
| Tier 1 risk-based capital ratio | 22.90% |
| Total risk-based capital ratio | 24.15% |
| Tier 1 leverage ratio | 13.24% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 8.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 1.69% |
| Allowance for credit losses to loans | 2.20% |
| Reserve coverage of non-performing loans | 657.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 8.91% |
| Net interest margin | 3.39% |
| Efficiency ratio | 70.02% |
| Yield on earning assets | 4.41% |
| Cost of funds | 1.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.36% |
| Core deposits to total deposits | 89.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.17% |
| Securities to assets | 51.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 24.63% | 24.63% | 25.88% | 14.82% | 0.60% |
| Q4 2023 | 24.17% | 24.17% | 25.42% | 14.67% | -0.35% |
| Q1 2024 | 24.69% | 24.69% | 25.94% | 14.64% | 0.47% |
| Q2 2024 | 24.20% | 24.20% | 25.45% | 14.11% | 0.69% |
| Q3 2024 | 24.24% | 24.24% | 25.48% | 14.21% | 0.70% |
| Q4 2024 | 23.33% | 23.33% | 24.55% | 13.83% | 0.04% |
| Q1 2025 | 23.49% | 23.49% | 24.68% | 13.53% | 0.37% |
| Q2 2025 | 22.88% | 22.88% | 24.07% | 13.05% | 0.85% |
| Q3 2025 | 23.11% | 23.11% | 24.33% | 13.56% | 0.76% |
| Q4 2025 | 22.58% | 22.58% | 23.83% | 13.66% | -0.40% |
| Q1 2026 | 22.37% | 22.37% | 23.62% | 13.12% | 0.63% |
| Q2 2026 | 22.90% | 22.90% | 24.15% | 13.24% | 0.88% |
The Merchants & Citizens Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Merchants & Citizens Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)