The Merchants & Citizens Bank is an FDIC insured institution headquartered at
6 College St, Mcrae, GA 31055.
It was founded in
1929 and has approximately $0 billion in assets. Customers can open an account at one of its 1 branches.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 183
Date Established
1929
Assets
$ 137.63 million
Loans
$ 49.85 million
Deposits
$ 121.21 million
Capital
$ 14.48 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 5.99 million
Interest-bearing balances
$ 5.42 million
Total securities
$ 70.35 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 49.85 million
Loan loss allowance
$ 1.14 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 2.90 million
All other assets
$ 7.24 million
Total Assets
$ 123.15 million
LIABILITIES
Total deposits
$ 121.21 million
Interest-bearing deposits
$ 81.13 million
Deposits held in domestic offices
$ 121.21 million
% insured (estimated)"
73.83%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 1.93 millionn
Total Liabilities
$ 123.15 million
Shareholders’ Equity
$ 14.48 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 6.03 million
Total Interest Expense
$ 1.78 million
Net interest income
$ 4.25 million
Provision for loan and lease losses
$ 0.21 million
Total non interest income
$ 0.30 million
Total non interest expense
$ 3.80 million
Pre-tax Net Operating Income
$ 2.54 million
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Branches
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