The Merchants & Citizens Bank is a bank based in Mcrae, Georgia, established in 1929, with $148 million in total assets across 1 branch. By Trust Grade it ranks 89th of 124 banks we track in Georgia. Its capital ratio of 9.5% trails most similarly sized banks (38th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 0.64% return on assets. No consumer complaints against The Merchants & Citizens Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Merchants & Citizens Bank compares to Georgia peers
How we graded The Merchants & Citizens Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Profitable (ROA 0.64%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Merchants & Citizens Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 6 College St, Mcrae, GA 31055
Are deposits at The Merchants & Citizens Bank insured?
Yes. The Merchants & Citizens Bank is an FDIC-insured bank (FDIC certificate #183). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Merchants & Citizens Bank: frequently asked questions
Is The Merchants & Citizens Bank a good bank?
The Merchants & Citizens Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Profitable (ROA 0.64%).
Is The Merchants & Citizens Bank FDIC-insured?
Yes. The Merchants & Citizens Bank is a FDIC-insured bank (FDIC certificate #183). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Merchants & Citizens Bank?
The Merchants & Citizens Bank holds $148 million in total assets, ranking 89th of 124 banks we track in Georgia. It operates 1 branch.
Does The Merchants & Citizens Bank have CFPB complaints?
No CFPB complaints against The Merchants & Citizens Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
