The Merchants & Citizens Bank

McRae-Helena, GA

Rating Date

March 2026

Risk Based
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Weiss Ratings	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.40
Capitalization Index	10.00
Liquidity Index	4.20
Profitability Index	2.30
Stability Index	6.30

Company Info	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	183
Phone Number	(229) 868-5656
Website	www.merchantsandcitizensbank.com

Asset Quality	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.14%
5-Year Asset Growth	3.32%
5-Year Charge-Offs to Average Loans	-0.03%
Charge-Offs to Average Loans	0.05%
Non-Performing Assets to Assets	0.11%
Non-Performing Loans to Capital	1.71%
Non-Performing Loans to Loans	0.29%

Balance Sheet	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	137.63M
Total Deposits	121.21M

Capital and Reserves	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
Capital	14.48M
Leverage Ratio	13.66
Loan Loss Reserves to Loans	2.24%
Risk-Based Capital Ratio	23.83

Liquidity	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	25.20%
Liquidity Ratio	28.38%

Profitability	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.76%
Net Income	576.00K
Net Interest Spread	3.19%
Operating Profit to Average Assets	0.39%
Overhead Efficiency Ratio	83.37%
Return on Assets	0.41%
Return on Equity	4.45%