$148M
+4.7%y/y
Percentile by value30th percentileby value
FDIC
ASSETM&
The Merchants & Citizens Bank
Mcrae, GeorgiaFDIC Cert #183
STATEEstablished 19291 branch
Holding company: M&C BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMBalance sheet & income statement
Financials
Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.
As of Q1 2026
Balance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $125M | $103M |
| Q3 2021 | $129M | $107M |
| Q4 2021 | $134M | $113M |
| Q1 2022 | $132M | $117M |
| Q2 2022 | $134M | $119M |
| Q3 2022 | $130M | $119M |
| Q4 2022 | $128M | $116M |
| Q1 2023 | $131M | $117M |
| Q2 2023 | $131M | $117M |
| Q3 2023 | $124M | $113M |
| Q4 2023 | $126M | $110M |
| Q1 2024 | $130M | $116M |
| Q2 2024 | $137M | $122M |
| Q3 2024 | $134M | $118M |
| Q4 2024 | $135M | $121M |
| Q1 2025 | $141M | $127M |
| Q2 2025 | $147M | $132M |
| Q3 2025 | $142M | $125M |
| Q4 2025 | $138M | $121M |
| Q1 2026 | $148M | $132M |
Balance sheet
Core assets, funding, and capital reported at quarter end.
$132M
+3.8%y/y
Percentile by value35th percentileby value
FDIC
DEP$53.3M
+16.4%y/y
Percentile by value8th percentileby value
FDIC
LNLSGR$52.2M
+16.3%y/y
Percentile by value7th percentileby value
FDIC
LNLSNET$77.2M
+2.0%y/y
Percentile by value88th percentileby value
FDIC
SC$7.1M
−21.6%y/y
Percentile by value25th percentileby value
FDIC
CHBAL$134M
+3.6%y/y
Percentile by value32nd percentileby value
FDIC
LIAB$14M
+15.8%y/y
Peer standing23rd percentile
FDIC
EQIncome statement
Year-to-date reported earnings and core revenue components.
$1.2M
+11.4%y/y
Peer standing16th percentile
FDIC
NIM + NONII$1.12M
+11.9%y/y
Peer standing19th percentile
FDIC
NIM$85K
+4.9%y/y
Peer standing26th percentile
FDIC
NONII$35K
Percentile by value68th percentileby value
FDIC
ELNATR$221K
+97.3%y/y
Peer standing14th percentile
FDIC
PTAXNETINC$230K
+76.9%y/y
Peer standing18th percentile
FDIC
NETINC