BlastPoint's Banking Scorecard
The Merchants & Citizens Bank
Micro
Specialty: Other
GA
FDIC cert 183
Designations: ✓ Community bank
Mcrae, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Merchants & Citizens Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.72% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.40% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.6M
+2.1% YoY
-3.0% QoQ
|
-$79.9M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$49.9M
+15.4% YoY
+0.0% QoQ
|
-$89.3M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$121.2M
-0.1% YoY
-3.2% QoQ
|
-$62.4M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
0.41%
-14.0% YoY
-39.3% QoQ
|
-0.67% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.32%
+8.7% YoY
-0.1% QoQ
|
-0.53% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
83.37%
-1.7% YoY
+5.3% QoQ
|
+15.65% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.64%
+169.3% YoY
+136.5% QoQ
|
0 |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
41.13%
+15.6% YoY
+3.3% QoQ
|
-33.40% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.06%
-5.4% YoY
+2.6% QoQ
|
+10.67% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+204.3% YoY
+143.9% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
22.58%
-3.2% YoY
-2.3% QoQ
|
+13.72% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.22%
-7.6% YoY
+32.6% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.58%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
41.13%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Tier 1 Capital Ratio
Current: 22.58% · Tier avg: 8.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.06% · Tier avg: 22.39%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
36
36th pctile
Total Deposits
Current: $121.2M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $137.6M · Tier avg: $217.5M
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
20
20th pctile
Total Loans
Current: $49.9M · Tier avg: $139.2M
15
15th pctile
Return on Assets
Current: 0.41% · Tier avg: 1.08%
15
15th pctile
Efficiency Ratio
Current: 83.37% · Tier avg: 67.73%
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.13% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.13% · Tier avg: 74.53%
15
15th pctile
Efficiency Ratio
Current: 83.37% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.41% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $49.9M · Tier avg: $139.2M
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
34
34th pctile
Total Assets
Current: $137.6M · Tier avg: $217.5M
36
36th pctile
Total Deposits
Current: $121.2M · Tier avg: $183.7M
40
40th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.06% · Tier avg: 22.39%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.58% · Tier avg: 8.85%