BlastPoint's Banking Scorecard
The Merchants & Citizens Bank
Mcrae, GA
The Merchants & Citizens Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.3% in tier
- - ROA 0.63% below tier average
- - Net Interest Margin 0.51% below tier average
- - Efficiency Ratio 13.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.1M
+4.7% YoY
+7.6% QoQ
|
-$238.0M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.7% in tier |
| Total Loans ? |
$52.2M
+16.3% YoY
+4.6% QoQ
|
-$203.6M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.3% in tier |
| Total Deposits ? |
$132.0M
+3.8% YoY
+8.9% QoQ
|
-$196.0M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
0.64%
+71.0% YoY
+57.2% QoQ
|
-0.63% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
3.42%
+7.4% YoY
+3.1% QoQ
|
-0.51% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
78.70%
-12.2% YoY
-5.6% QoQ
|
+13.42% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.29%
+142.1% YoY
-54.2% QoQ
|
-0.60% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
39.51%
+12.0% YoY
-3.9% QoQ
|
-37.13% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Top 4.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.93%
-3.4% YoY
-3.4% QoQ
|
+9.91% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 13.9% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+168.9% YoY
-55.4% QoQ
|
-0.54% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
22.37%
-4.8% YoY
-0.9% QoQ
|
+6.54% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 9.4% in tier |
| Non-Interest Income / Assets ? |
0.06%
+0.2% YoY
-73.8% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
24% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.