BranchWatch

The Merchants & Citizens Bank

Headquartered in Mcrae, GA. Part of M&C Bancshares, Inc. FDIC certificate #183 · Federal Reserve RSSD 784430.

Total assets
$148M
Deposits
$132M
Q1 2026
Active branches
1
Closings since Jan 2020
0
0 openings since Jan 2020
All locations →Quarterly financials →

Financial snapshot — Q1 2026

All quarters →
Net income (quarter)
$230K
Return on assets
0.64%
Return on equity
6.45%
Noncurrent loan rate
0.29%

Deposits by year (Summary of Deposits)

0
2019
0
2020
0
2021
0
2022
0
2023
0
2024
0
2025

Values in $ billions, June 30 of each year.

Other network changes since 2020

  • 1 branch relocations

Branches by state

Georgia 1

All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.merchantsandcitizensbank.com.