|
 |
|
|
 The Merchants & Citizens Bank
|
The Merchants & Citizens Bank
| RSSD ID 784430 | CERTIFICATE 183 | ABA NUMBER 61203778 |
| 6 College St |
Quarter Ended : |
2026-03-31 |
| Mcrae, Georgia, 31055 |
Updated : |
2026-04-10 |
| www.merchantsandcitizensbank.com |
|
| 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 |
|
| Specialization : |
Other Specialized Under 1 Billion |
| Number of Offices : |
1 |
Number of Employees : |
18 |
|
|
|
|
|
|
| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
|
Income Statement
(USD, in thousands, ytd) |
| Total Assets | 148,123 |
|
Total Interest Income | 1,504 |
| Total Liabilities | 134,093 |
|
Total NonInterest Income | 85 |
| Total Bank Equity Capital | 14,030 |
|
Total Interest Expense | 387 |
| Total Deposits | 131,991 |
|
Total NonInterest Expense | 946 |
| Net Loans & Leases | 52,152 |
|
Net Income | 230 |
| Loan Loss Allowance | 1,163 |
|
Net Charge Offs | 14 |
|
|
|
| Regulatory Capital |
|
Quarterly Averages
(USD, in thousands) |
| Total capital | 19,699 |
|
Total loans | 52,131 |
| Total assets for the leverage ratio | 142,163 |
|
Loans secured by real estate: | 38,015 |
| Tier 1 Leverage Ratio | 13.12 |
|
Commercial and industrial loans | 9,792 |
| Tier 1 Capital Ratio | 22.37 |
|
Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 23.62 |
|
Loans to individuals - Other | 4,314 |
|
|
|
|
:· The Merchants & Citizens Bank
