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 The Merchants & Citizens Bank
The Merchants & Citizens Bank
| RSSD ID 784430 | CERTIFICATE 183 | ABA NUMBER 61203778 |
| 6 College St |
Quarter Ended : |
2025-12-31 |
| Mcrae, Georgia, 31055 |
Updated : |
2026-01-28 |
| www.merchantsandcitizensbank.com |
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| Institution Profile |
| Year Opened : |
1929 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Other Specialized Under 1 Billion |
| Number of Offices : |
1 |
Number of Employees : |
19 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 137,634 |
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Total Interest Income | 6,034 |
| Total Liabilities | 123,153 |
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Total NonInterest Income | 301 |
| Total Bank Equity Capital | 14,481 |
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Total Interest Expense | 1,782 |
| Total Deposits | 121,213 |
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Total NonInterest Expense | 3,796 |
| Net Loans & Leases | 49,854 |
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Net Income | 576 |
| Loan Loss Allowance | 1,142 |
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Net Charge Offs | 22 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 19,482 |
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Total loans | 50,764 |
| Total assets for the leverage ratio | 135,102 |
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Loans secured by real estate: | 37,917 |
| Tier 1 Leverage Ratio | 13.66 |
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Commercial and industrial loans | 8,563 |
| Tier 1 Capital Ratio | 22.58 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 23.83 |
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Loans to individuals - Other | 4,278 |
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:· The Merchants & Citizens Bank
