B
The Merchants & Citizens Bank
Rating Date
October 2025
Risk Based
Capital Ratio
24.33
Leverage
Ratio
13.56
Return On
Assets
0.66%
Total
Assets
141.93M
Capital
14.22M
Total
Deposits
125.19M
Net
Income
715.00K
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Weiss Ratings The Merchants & Citizens Bank
McRae-Helena, GA 		Click to
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 4.20
Profitability Index 3.00
Stability Index 5.70
Company Info The Merchants & Citizens Bank
McRae-Helena, GA 		Click to
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FDIC Number 183
Phone Number (229) 868-5656
Website www.merchantsandcitizensbank.com
Asset Quality The Merchants & Citizens Bank
McRae-Helena, GA 		Click to
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1-Year Asset Growth 5.75%
5-Year Asset Growth 5.87%
5-Year Charge-Offs to Average Loans -0.03%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.67%
Non-Performing Loans to Loans 0.29%
Balance Sheet The Merchants & Citizens Bank
McRae-Helena, GA 		Click to
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Total Assets 141.93M
Total Deposits 125.19M
Capital and Reserves The Merchants & Citizens Bank
McRae-Helena, GA 		Click to
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Capital 14.22M
Leverage Ratio 13.56
Loan Loss Reserves to Loans 1.98%
Risk-Based Capital Ratio 24.33
Liquidity The Merchants & Citizens Bank
McRae-Helena, GA 		Click to
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Hot Money Ratio 24.82%
Liquidity Ratio 27.41%
Profitability The Merchants & Citizens Bank
McRae-Helena, GA 		Click to
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5-Year Return on Average Assets 0.76%
Net Income 715.00K
Net Interest Spread 3.16%
Operating Profit to Average Assets 0.60%
Overhead Efficiency Ratio 79.20%
Return on Assets 0.66%
Return on Equity 7.64%