MERCHANTS&CITIZENS BANK
MCRAE, GEORGIA · FDIC Cert #183
Capital & Safety Analysis
According to FDIC financial data, MERCHANTS&CITIZENS BANK holds a Tier 1 capital ratio of 24.20%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning MERCHANTS&CITIZENS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
MERCHANTS&CITIZENS BANK shows strong financial health indicators. With $137M in assets and a Health Score of 93/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
MERCHANTS&CITIZENS BANK has a Bank Health Score of A (93/100). It holds a Tier 1 capital ratio of 24.20%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
MERCHANTS&CITIZENS BANK holds $137M in total assets and $122M in total deposits. It is located in MCRAE, GEORGIA (FDIC Certificate #183).
MERCHANTS&CITIZENS BANK has a Tier 1 capital ratio of 24.20%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.12%, and the return on assets is 0.51%.
Yes. MERCHANTS&CITIZENS BANK is FDIC-insured (Certificate #183). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.