$53.3M
+16.4%y/y
Percentile by value8th percentileby value
FDIC
LNLSGRM&
The Merchants & Citizens Bank
Mcrae, GeorgiaFDIC Cert #183
STATEEstablished 19291 branch
Holding company: M&C BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $2.69M |
| Investor CRE | $3.93M |
| Multifamily | $0 |
| Construction | $7.8M |
| 1–4 family | $19.4M |
| C&I | $11M |
| Agriculture | $4.29M |
| Other | $4.3M |
Loan book
Reported balances and balance-sheet intensity.
$52.2M
+16.3%y/y
Percentile by value7th percentileby value
FDIC
LNLSNET+16.25%
−20.4%y/y
Percentile by value88th percentileby value
FDIC
LNLSNET39.5%
+12.0%y/y
Percentile by value6th percentileby value
FDIC
LNLSNET + DEP35.2%
+11.1%y/y
Percentile by value7th percentileby value
FDIC
LNLSNET + ASSET69.11%
−3.8%y/y
Percentile by value29th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
60%
+61.7%y/y
Percentile by value36th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC40%
+149.6%y/y
Percentile by value67th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,072points
−9.3%y/y
Peer standing68th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.04%
−6.9%y/y
Percentile by value31st percentileby value
FDIC
LNRENROW + LNLSGR7.36%
−17.4%y/y
Percentile by value47th percentileby value
FDIC
LNRENROT + LNLSGR20.54%
+18.8%y/y
Percentile by value88th percentileby value
FDIC
LNCI + LNLSGR