The Merchants & Citizens Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $148M | $132M | $52M | $14M | $230K | 0.64% | 6.45% | 3.42% | 0.29% |
| Q4 2025 | $138M | $121M | $50M | $14M | $-139K | 0.41% | 4.45% | 3.32% | 0.62% |
| Q3 2025 | $142M | $125M | $50M | $14M | $272K | 0.67% | 7.59% | 3.32% | 0.26% |
| Q2 2025 | $147M | $132M | $50M | $13M | $313K | 0.63% | 7.38% | 3.28% | 0.12% |
| Q1 2025 | $141M | $127M | $45M | $12M | $130K | 0.38% | 4.43% | 3.19% | 0.12% |
| Q4 2024 | $135M | $121M | $43M | $11M | $14K | 0.48% | 5.14% | 3.05% | 0.23% |
| Q3 2024 | $134M | $118M | $43M | $14M | $236K | 0.62% | 6.58% | 3.03% | 0.18% |
| Q2 2024 | $137M | $122M | $41M | $12M | $230K | 0.58% | 6.36% | 2.98% | 0.12% |
| Q1 2024 | $130M | $116M | $37M | $12M | $150K | 0.47% | 4.99% | 2.89% | 0.09% |
| Q4 2023 | $126M | $110M | $37M | $12M | $-109K | 0.40% | 4.64% | 3.08% | 0.15% |
| Q3 2023 | $124M | $113M | $38M | $9M | $194K | 0.65% | 7.68% | 3.14% | 0.07% |
| Q2 2023 | $131M | $117M | $35M | $12M | $251K | 0.66% | 7.45% | 3.11% | 0.09% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.