How Big Is Merchants&Citizens Bank?
Merchants&Citizens Bank holds $137M in total assets and $122M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,073rd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Merchants&Citizens Bank's latest FDIC call report (cert #183); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Merchants&Citizens Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Merchants&Citizens Bank Size at a Glance
- Total assets
- $137M
- Total deposits
- $122M
- Domestic deposits
- $122M
- Size class
- community bank
- Rank by assets
- #3,073 of 3,960
- Headquarters
- Mcrae, Georgia
Source: FDIC Call Report data (cert #183). Figures reflect the latest reported quarter.
With $137M in total assets, Merchants&Citizens Bank is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 3,073rd-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $122M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 24.20% | 100/100 |
| Nonperforming Loan Ratio | 0.12% | 98/100 |
| Liquidity Ratio | 61.08% | 100/100 |
| Return on Assets | 0.51% | 40/100 |
| Total Assets | $0.1B | |
How does Merchants&Citizens Bank compare?
With a Bank Health Score of 93/100, Merchants&Citizens Bank sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Merchants&Citizens Bank ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 24.20% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.12% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Merchants&Citizens Bank's Bank Health Score fell by 1.0 points to 93/100. Tier 1 capital weakened by 0.42 percentage points to 24.20%.
Frequently Asked Questions
Merchants&Citizens Bank holds $137M in total assets and $122M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,073rd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Merchants&Citizens Bank's latest FDIC call report (cert #183); it is a local community institution, with $100 million to $1 billion in assets.
Merchants&Citizens Bank ranks 3,073rd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $137M in assets classify it as a community bank.
Merchants&Citizens Bank reports $137M in total assets and $122M in total deposits ($122M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Merchants&Citizens Bank earns a Bank Health Score of 93/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $137M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Merchants&Citizens Bank (FDIC certificate #183) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Merchants&Citizens Bank
Merchants&Citizens Bank holds $137M in total assets and $122M in deposits, making it a community bank by U.S. standards. By total assets it is the 3,073rd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Merchants&Citizens Bank's latest FDIC call report (cert #183); it is a local community institution, with $100 million to $1 billion in assets.