BlastPoint's Banking Scorecard

The Merchants & Citizens Bank

$100M-$1B Specialty: Other GA FDIC cert 183

Mcrae, GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits -2.7% year over year ($128.7M on the books).
Delinquency rate 0.37%.
Return on assets 0.77%.
Efficiency ratio 76.12% vs a 64.48% peer average.
Loan-to-deposit ratio 40.45% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

The Merchants & Citizens Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 12.8% in tier
- Deposit Outflow: Bottom 23.4% in tier
- Credit Risk Growth: Bottom 27.5% in tier
- Credit Quality Pressure: Bottom 37.3% in tier
- ROA 0.55% below tier average
- Net Interest Margin 0.52% below tier average
- Efficiency Ratio 11.64% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$146.0M -0.9% YoY -1.4% QoQ	-$240.6M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	Bottom 12.9% in tier
Total Loans ?	$52.1M +5.0% YoY -0.2% QoQ	-$206.3M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	Bottom 3.1% in tier
Total Deposits ?	$128.7M -2.7% YoY -2.5% QoQ	-$198.0M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	15%
Return on Assets ?	0.77% +22.5% YoY +19.4% QoQ	-0.55%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.46% +5.6% YoY +1.2% QoQ	-0.52%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	76.12% -5.7% YoY -3.3% QoQ	+11.64%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	0.37% +188.8% YoY +25.9% QoQ	-0.55%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	40.45% +7.9% YoY +2.4% QoQ	-37.50%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Top 4.3% in tier
Non-Interest-Bearing Deposit Share ?	32.11% -4.4% YoY +0.6% QoQ	+10.08%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 14.3% in tier
Nonperforming Asset Ratio ?	0.13% +205.9% YoY +27.5% QoQ	-0.54%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	22.90% +0.1% YoY +2.4% QoQ	+6.99%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Top 9.1% in tier
Non-Interest Income / Assets ?	0.11% +8.1% YoY +95.8% QoQ	-0.45%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	32.1% -1.5pp YoY +0.2pp QoQ	+10.0pp	22.1%	26.2%	22.2%	86%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	22.2% +6.0pp YoY +1.2pp QoQ	+10.6pp	11.6%	9.7%	12.5%	91%
CRE	n/a	n/a	39.5%	48.9%	41.4%	n/a
1-4 Family	36.3% -4.9pp YoY -0.8pp QoQ	+3.7pp	32.6%	31.7%	31.3%	64%
Consumer	8.4% -0.2pp YoY +0.2pp QoQ	+4.3pp	4.1%	4.8%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	22.9% 0.0pp YoY +0.5pp QoQ	+4.1pp	18.8%	20.9%	19.7%	85%
Leverage Ratio	13.2% +0.2pp YoY +0.1pp QoQ	+1.1pp	12.2%	14.0%	12.6%	77%
Total Capital Ratio	24.2% +0.1pp YoY +0.5pp QoQ	+4.2pp	19.9%	22.1%	20.8%	85%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	18 -1 (-5.3%) YoY 0 QoQ	-41	58	98	482	8%
Assets per Employee ($)	$8.1M +4.6% YoY -1.4% QoQ	+$592K	$7.5M	$7.5M	$8.8M	69%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.4%	48%
Nonaccrual	0.3% +0.2pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	36%
Allowance Coverage	6.13x -60.2% YoY -19.9% QoQ	-18.02x	24.15x	38.10x	20.23x	74%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	7.6% +0.2pp YoY +1.2pp QoQ	-4.6pp	12.2%	13.6%	11.6%	24%
Cost of Funds (YTD)	1.2% -0.3pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	17%
Net Income ($, YTD)	$553,000 +24.8% YoY — QoQ	-$2.0M	$2.6M	$6.6M	$40.4M	12%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Flatlined Growth

risk

#69 of 529 • Bottom 12.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.77%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Deposit Outflow

decline

#126 of 535 • Bottom 23.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Credit Risk Growth

risk

#258 of 936 • Bottom 27.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#469 of 1256 • Bottom 37.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

115

Loan-to-Deposit Ratio

liquidity

Value: 40.45%

Peer Median: 77.95%

#115 of 2643 Top 4.3% in $100M-$1B

242

Tier 1 Capital Ratio

capital

Value: 22.90%

Peer Median: 15.91%

#242 of 2643 Top 9.1% in $100M-$1B

378

Non-Interest-Bearing Deposit Share

funding

Value: 32.11%

Peer Median: 22.03%

#378 of 2643 Top 14.3% in $100M-$1B

Top Weaknesses (6 metrics)

2561

Total Loans

size

Value: $52.06M

Peer Median: $258.35M

#2561 of 2643 Bottom 3.1% in $100M-$1B

2304

Total Assets

size

Value: $145.99M

Peer Median: $386.57M

#2304 of 2643 Bottom 12.9% in $100M-$1B

2241

Total Deposits

size

Value: $128.72M

Peer Median: $326.73M

#2241 of 2643 Bottom 15.2% in $100M-$1B

2152

Efficiency Ratio

profitability

Value: 76.12%

Peer Median: 64.48%

#2152 of 2643 Bottom 18.6% in $100M-$1B

2072

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.32%

#2072 of 2643 Bottom 21.6% in $100M-$1B

2042

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2042 of 2643 Bottom 22.8% in $100M-$1B