The Merchants & Citizens Bank
Mcrae, GA · State, non-member commercial bank
Sonar Score
Caution
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $148.1M
- Total deposits
- $132M
- Branches
- 1
- Return on assets
- 0.64%
- Return on equity
- 6.45%
- Charter type
- State, non-member commercial bank
- Established
- 1929
- FDIC cert #
- 183
How the 47 breaks down
Capital ratio not reported.
Modest but positive returns.
Positive but moderate equity returns.
Community-scale institution.
Your deposits at The Merchants & Citizens Bank
The Merchants & Citizens Bank is an FDIC-insured institution (Cert #183). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
1 branch locations
6 College St
Mcrae, GA 31055
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