The Merchants & Citizens Bank

McRae-Helena, GA

Rating Date

August 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	3.20
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	-0.88%
5-Year Asset Growth	3.32%
5-Year Charge-Offs to Average Loans	-0.05%
Charge-Offs to Average Loans	0.16%
Non-Performing Assets to Assets	0.12%
Non-Performing Loans to Capital	1.03%
Non-Performing Loans to Loans	0.33%

Balance Sheet	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
Total Assets	145.99M
Total Deposits	128.72M

Capital and Reserves	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
Capital	14.96M
Leverage Ratio	13.24
Loan Loss Reserves to Loans	2.20%
Risk-Based Capital Ratio	24.15

Liquidity	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	23.61%
Liquidity Ratio	26.51%

Profitability	The Merchants & Citizens Bank McRae-Helena, GA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.77%
Net Income	553.00K
Net Interest Spread	3.35%
Operating Profit to Average Assets	0.70%
Overhead Efficiency Ratio	76.12%
Return on Assets	0.76%
Return on Equity	7.69%