Is Merchants&Citizens Bank Safe?
Merchants&Citizens Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (40/100).
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%.
Merchants&Citizens Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (40/100).